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GREAT Letter to Use

Sky Warner

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Here is a letter I found on the net somewhere. It is an awesome letter to send to a CRA. Hope this helps someone!!

Dear Credit Bureau,

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible:

>>Insert your a&&hole CA's here<<

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.


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I've never had a single CRA cooperate when I've asked to see any sort of contractual proof of so-called "verified" debts. I'm not sure they're obligated to provide that information at all (you have to dispute it through the CA first, I think). Now, they *are* required to send an explanation of *how* the "account" was verified as accurate, and I'm currently in a dispute with Trans Union because they flat-out refused to provide me with this information.

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