How do you do it?

[jwelch47]

When you dispute through mail, how exactly do you do it? Just curious as I've read several variations from several web sites. Do you include a copy of your report and circle the errors or just reference account numbers(my equifax report is 15 pages for some reason so I don't wanna send the whole thing). Do you include a copy of your drivers license and utility bill? Just wondering how all of you do it since I have only disputed online so far.

[jwelch47]

I'm just looking for everybodys own personal way of doing it and wondering what works best.

[Trish]

I wish other people would pipe up...lol I feel like I'm the only that gives opinions sometimes.
I've been doing this for a while now but don't want people to think my way is the only way.

What I do (when disputing by mail) is a very simple letter like this:

Dear CRA,

My name is xxxxxxxx xxxxxxx
My SS# is xxx-xx-xxxx

I am sending this letter certified mail# xxxx xxxx xxxx xxxx xxxx to make sure you receive it.

I have noticed some inaccuracies on my report # xxxxxxx and would like the following items investigated:

Creditor name - Acct # (as it appears on your report) - I have no records or knowledge of this account

Creditor name - Acct # - I was never late on this account

Creditor name - Acct # - There should be no "terms" as I have not made any agreement with this company, there is no "past due" amount.....etc (you get the picture - you can list as many inaccuracies as you wish)

Once your investigation is complete, please send me an updated copy of my report.

Thank you,
*your name*

I do not provide a copy of my report....they have it on file if you give them a CR#
I do not provide copies of my ID unless they request it.......and even then I usually ignore them. (I provided proof of ID once - that should be enough) EQ ALWAYS wants proof of ID and I am positive it is just a stall tactic of theirs. :rolleyes:

HTH some

[jwelch47]

Thank you Trish. You are extremely helpful on this forum. I think you give people the confidence they need to keep moving forward with their repair process.

I believe it was Chane who said that CRAs don't accept certified mail or anything they have to sign for. Is it ok to send a dispute through standard mail?

Also, under the terms section of a couple CA accounts are listed as 1 month. I understand terms are a violation for collections and is that enough to have it removed from my report?

[Trish]

The CRAs will accept CM....which is actually necessary if you want to be able to track the time line.... that way you know when the 30/45 days are up.

They usually do not like CM with RR (return receipt) but I have not heard of them not accepting it. They only time I would send mail CMRR to the CRAs would be if I was contacting the legal dept.

And yes....there should be no "terms" unless you made an agreement or signed a contract for monthly payments. That is a violation. You should dispute that.....or maybe even do a 1 2 punch.

[nitro69]

Since I started this past year I have been sending my disputes CM Electronic Receipt by USPS website tracking and all others CMRRR. Now I have a problem that I am working on with Experian is mailed them my dispute CM and never received my results back and has been over 45 days. I then mailed Experian letter CM demanding deletion for failing to respond to my dispute per FCRA 611. After reading info form other sites they claim to send all CMRRR.

I may start to do everything CMRRR.