Sample Dispute Letter I am Sending to CRAs

[Maikeru-sama]

I decided I would send 1 Letter per Item, which for the Account Disputes, totals 12. Here is a sample of one I am sending tommorrow in the mail.

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Credit Report Dispute

Hi, my name is mickgreen58 and I am contacting Experian to request that an item on my Credit Report be corrected. I recently reviewed my Credit Report from Experian and it stated that I had a ABCXXXX Credit Card. I don’t recall ever having a ABCXXXX Credit Card and I am asking Experian to launch an investigation in accordance with the law and remove the incorrect item from my credit file. I have already contacted Experian in the last 2 weeks to have my Driver’s License Number and Incorrect Prior Residence corrected, so the ABCXXXX Credit Card Account being incorrectly added to my Credit Report could possibly be a case of fraud.

Thank you for your time and assistance

Social Security #

###-##-####

Full Name

mickgreen58

Account in Question

Client Name: ABCXXXX Credit Card Company

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I dont have very many inquries, but I am going to dispute those as well. I will write those letters up tommorrow on Company time.

[IHateCAs]

FYI: Don't claim fraud if there is none. If you truly don't recognize the account, then okay.

I dunno about the sending twelve seperate letters things either, but whatever works for you.

Also, don't dispute TLs until you get all the addresses and name variations off that EXP will let you.

[frankdobbs]

Just dispute as not mine and make them prove it is yours.

[Maikeru-sama]

FYI: Don't claim fraud if there is none. If you truly don't recognize the account, then okay.

I dunno about the sending twelve seperate letters things either, but whatever works for you.

Also, don't dispute TLs until you get all the addresses and name variations off that EXP will let you.

In the letter, I said that it could possibly be a case of fraud.

I already had sent letters out to Experian and Equifax a while back asking them to correct my information. The DV Letters I sent to the Big 3 went in the mail Sunday and I got letters from both stating that my personal information had been corrected yesterday and today.

I sent 3 Letters to each CRA, I will be sure to tone it down a little bit next time and not send as many. In my template, I also added that I have recently been the victim of Driver's License Fraud (which is a type of ID Fraud) which is absolutely TRUE and even went to Jail for it for a few hours in early June of this year.

2 Separate occasions an individual used my name on a ticket, I beat one 2 years ago in court, I have to go on the 19th of this month to fight another one. So in theory it is a little over the top, but in reality, it really isnt.

- Mike G.

[IHateCAs]

2 Separate occasions an individual used my name on a ticket, I beat one 2 years ago in court, I have to go on the 19th of this month to fight another one. So in theory it is a little over the top, but in reality, it really isnt.

- Mike G.

Theory, reality, whatever.

You know if the accounts on your CR are fraud or not. I would not start mentioning fraud if I was not 100% certain that something that was reporting was not mine.

[codename_fortyseven]

Furthermore, "not mine" disputes require the absolute minimum to verify, so they aren't typically very fruitful.

[Maikeru-sama]

2 Separate occasions an individual used my name on a ticket, I beat one 2 years ago in court, I have to go on the 19th of this month to fight another one. So in theory it is a little over the top, but in reality, it really isnt.

- Mike G.

Theory, reality, whatever.

You know if the accounts on your CR are fraud or not. I would not start mentioning fraud if I was not 100% certain that something that was reporting was not mine.

The keyword in your post is "I"...

Furthermore, on one hand you are told to deny debt that is OBVIOUSLY yours but on the other hand WHILE you are totally being unthruthful about the situation, you are telling me that there are different degrees of being unthruthful?

The CRAs have been getting over on CONSUMERS for years. I have 3 bad accounts on my CR and one of the accounts was a family member who got it in my name. Believe me, if I had known about this site before I paid off my bad debt, things would have been different. They are all PAID off but yet I am not DEEMED square with the house until after 4 Years. And when I start paying off my debt, the SOL clock starts all over ago?

So you will have to Forgive me if I feel the need to BUTTER up my lie to the Big 3 Bureaus, which I for one really dont like that much.

I agree with your name but I dont agree with your comments in this thread.

I appreciate your comments because that is what message boards are for, I just dont want to feel like I am being "judged".

- Mike G.

[IHateCAs]

The keyword in your post is "I"...

Hey if you want to lie cheat and steal your way to a clean report, be my guest. Just tell the CRAs that everything on your report is ID theft and send in the police report and fraud affidavit if you want to go that route. Just don't expect people to back you on that sort of thing.

Furthermore, on one hand you are told to deny debt that is OBVIOUSLY yours

You are? I don't do that. A TL from a CA I have no previous business relationship with reporting dates, balances and installment loans I never had I don't recognize doesn't qualify as OBVIOUSLY mine.

An OC reporting a charged-off account with a balance I never had and re-aging the date the account was opened is not OBVIOUSLY mine either.

The CRAs have been getting over on CONSUMERS for years. I have 3 bad accounts on my CR and one of the accounts was a family member who got it in my name. Believe me, if I had known about this site before I paid off my bad debt, things would have been different. They are all PAID off but yet I am not DEEMED square with the house until after 4 Years. And when I start paying off my debt, the SOL clock starts all over ago?

You had another avenue to take on that to have it completely removed. The account was obtained in your name fraudulently. If its still reporting, that is still open to you.

I appreciate your comments because that is what message boards are for, I just dont want to feel like I am being "judged".

- Mike G.

Keep claiming fraud when there is none, and the person judging you will have black robes and a gavel. Just a warning, not a judgment.

[Maikeru-sama]

Hey if you want to lie cheat and steal your way to a clean report, be my guest. Just tell the CRAs that everything on your report is ID theft and send in the police report and fraud affidavit if you want to go that route. Just don't expect people to back you on that sort of thing.

Im just going to respond to you one last time, in a positive manner and then continue about the business of this forum which is to help people and in my case get help.

These are some of the threads where I based my strategy on.

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Now if you know you want this account off, you will dispute as not mine or no knowledge of account. You will want to dispute half or less of your accounts at a time. Each time 30 days are up, you will want to dispute the other half. So, you have 10 bad accounts, you want to dispute them all in hopes of getting them deleted, you dispute 5 as not mine. You get your letter saying 2 were deleted, 3 were verified. You send a new letter of dispute to CRA with the other 5. They come back in 30 days, 3 deleted, 2 verified. You then want to send dispute of the first 3 that came back verified. The second time you dispute something you can try again for not mine or use a different reason why its wrong, such as the account, never had an account w/hhbk with this account number or wrong balance, wrong dates, never been late. Get creative if you have to.

LINK

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To the forum, if I offended anybody here I sincerly apologize. I am new at this and since I have been here, I have already gotten NEGATIVE items removed and incorrect information on my CR updated. Looking back 4 days later after the letters were sent, I can see how the claim of FRAUD is over the top and probably not the best route to take. This is the very reason I posted my "Sample Dispute Letter" so the good people here who have helped me so much, if they were willing, could view it, offer suggestions and tell me if something needed to be changed. Unfortunately, the first response didnt come until 6 days later and I had already sent the letters off.

For the record, going forward, I will not hint, insinuate, or even mention FRAUD in any of my dispute letters. I am on vacation, and after this post, I will go through my Dispute Letter Templates and erase the line that mentions fraud. If my letter was over the top and made people here feel uncomfortable, I apologize for that. Obviously, I posted my "Sample Dispute Letter" on here before sending them off, so one can come to the conclusion that I didnt see anything wrong with it at the time.

Again, I apologize and I am sorry for the DRAMA that I brought to the boards.

- Mike G.

[breathing_easier]

No worries, Mike, and hope you're having a good vacation.

Even going back to the "old" CIC board the subject regularly comes up of whether using the "not mine" dispute is the right thing to do, morally and ethically, when you know that the account was yours. Most credit repair strategies start out with the recommendation of disputing as "not mine." "Not mine" is primarily recommended for the beginning stages of credit repair because, it is argued, once you dispute for any reason other than "not mine" you lose your option to dispute later as "not mine." It can be also argued, however, that even if you know you had an account with "Acme Company," but the TL is reporting incorrectly with a wrong balance, wrong open date, etc., then a "not mine" dispute means only that you have/had no account with that company with the information currently being reported.

Alleging fraud is an entirely different animal than disputing as "not mine," though, and as you seem to now understand, it can create many more problems than it solves.

I'm curious, though. How does one commit "driver's license fraud"? Wouldn't they have had to present your DL when the ticket was being issued? Or did they use a fake DL with your info on it?

[Maikeru-sama]

Breath_Easier, long story man. I will try to make it as short as possible.

Okay, REWIND to 2003

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I am on my way to the park to go for my 2 mile jog. A cop is behind me when I "failed to come to a complete stop" at a stop sign. So he pulls me over does the standard procedure (DL, Insurance yada yada yada). So I was calm as I didnt have any WARRANTS and I would just receive my ticket. Okay, time starts passing by and I start to worry. My heart beat rose even more when another squad car pulled up. They tell me to come to the back of my vehicle and I am scared out of my drawers. The cop said that I had 3 WARRANTS from back in 2000 for my arrest. I told him I didnt have any WARRANTS and he kind of knew something was suspicious because I had never lived at the addresses on the WARRANT profile. He told me he was going to let me go and I needed get it taken care of.

When I got home, I phoned the Dallas County Courthouse and sure enough, 3 WARRANTS for me. So I go to the Courthouse and get the Tickets and let me tell you, my signature is wrong, I never lived at that address and this is key, the 3 Tickets were for No Seat belt, No Driver's License and No Insurance. The only thing tying me to the ticket was my NAME, which is a common name!!! So they had me write my signature down about 5 times on a peice of paper and you have a ID Hearing you have to go to, where the Cop that wrote you the ticket has to ID you which is odd because it was so long ago. I gathered up all the info I could, where I was living, Car records, Insurance Records, etc etc and eventually the DA decided not to pursue the case.

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Okay, REWIND to June of this year

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Almost the same situation. I am coming back from Blockbuster Video and the Cop stops me for not wearing a seat belt. I am calm as I know that I have no WARRANTS. Again, things are taking a bit too long and my heart beat rose when I saw 2 Male Cops on bikes pull up behind me. I started getting scared again. The cop tells me to get out of vehicle because I have 2 WARRANTS for my arrest in 2000. I tell them that I have proof that those tickets were not mine, somebody used my NAME but the folder I kept the proof in his at my house. The cop says okay, what city was the tickets in, I said Dallas. She went and looked and said Nope, they were in Grand Prairie, TX (Suburb just West of Dallas). So I dont get off so lucky this time and I go to jail man. I had never been to jail so I was pretty scared to tell you the truth. Let me tell you, once you enter the SYSTEM, the Cops, Staff etc etc have heard it all and you are PRESUMED Guilty, even though I knew I wasnt. So I get a family member to come get me out and I pay the tickets with my Credit Card (getting that done was a headache)

Okay, so I to Grand Praire County Courthouse the next day and try to get all tickets in my name from a Clerk. Well she says I have to write a letter to the Judge to get that. So as I am leaving, I was like well, I wonder if she will just give me one ticket and I asked her and she was like if you have proof that you paid the ticket I can show you. After she gave me the Ticket, I look on it and it was the same situation, No Driver's, No Insurance. The odd thing is that the Address on there is one I had lived at but was not living at at the time the ticket was supposedly given to me but the signature is totally different again. But THANK GOD there was one thing very different about this ticket, there was an ACTUAL description of the Perp on there. Yep, 6-0, 160 Lbs....yeah I wish I had those type of stats. Im listed as 5-7 on my DL and anybody that knew me back in 2000, knows I was 240+ Lbs (which I weigh 196 Lbs now). The clerk I was talking to, gave me a lot advice on how to protect myself in the future and we sat and talked for a long time.

When I go to court for my initial hearing, again, you are presumed GUILTY no matter what. The judge had an attitude, the Bailiff had an attitude and the Clerk/Translater had an attitude with everyone. So I have another ID Hearing on the 19th of this month and I will have to prove my innocence again.

You want to know what the kicker is? A family member admitted to getting the ticket in my name. Yes sir, he wasnt the one who did it on that first ticket I got pulled over for in 2002 (I am pretty sure of that because I found a website that gives you info on people if you have their License Plate#), but he admitted to doing it on this last one, that would explain how my address is right and he fits the description perfectly. He is a good guy, but in 2000 he made STUPID mistake, should have told me and he should have gave me the money to pay for the ticket after he got it. But he did give me my money back for the Tickets I had to pay to get out of jail ($470). He has also offered to "Give himself up", but I know the guys' heart and I told him not to do that unless it was neccessary which I doubt, based on what happened last time.

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I went to Irving to file a Police report like the Clerk told me too, and he told me I had to go to Grand Praire since it was the place where the ID Theft took place. He was kind enough to run my DL on his squad car and I came out clean. He told me to check my Credit Reports as well. I asked him why they let people go when they dont have DLs, No Insurance and he said it depends on the cop and he pretty much said the Cop who wrote the tickets were at fault although Cops dont like to crap on each other.

Oh, I also failed to mention that another family member decided to get a Capital One Credit Card in my name back in 1998. I didnt find out about it until, I beleive 2 years ago. I am not absolutely sure this person did it but Capital One, when I called them told me some of the Transactions on the card and it sounds like something this family member would do. Man, if only I knew about this site back then before I paid it. To be honest, there were about 2-3 Items on my Credit Report that people got in my name but 2 of them fell off and the Capital One Card is still on there but I paid it.

Suffice it to say. All family members have been put on NOTICE. Do anything else that affects me negatively (CCs, Tickets etc etc) and I will PROSECUTE you to the full extent of the law.

Oh and it really sucks to have to ride around with 2 Folders that contain all the info I just stated in your Glove Compartment because of fear of being stopped again for a Ticket and going to jail for WARRANTS that are not yours.

- Mike G.

[breathing_easier]

Jeez, Mike, you need to get a new family! Sorry, but I would have made that dear family member who lied to the cops pay me a whole lot more than the exact amount of the ticket and the price of bailing yourself out. You've spent so much more than that in time and effort in defending yourself. But that's just me. What was he running from that he couldn't give the cops his real name? Warrants of his own? I still would like to know how someone can just say that they're someone else when after being pulled over by a cop. You'd think they'd at least haul the person to jail if they had no i.d. and make them prove who they said they were before being released.

[Maikeru-sama]

Jeez, Mike, you need to get a new family! Sorry, but I would have made that dear family member who lied to the cops pay me a whole lot more than the exact amount of the ticket and the price of bailing yourself out. You've spent so much more than that in time and effort in defending yourself. But that's just me. What was he running from that he couldn't give the cops his real name? Warrants of his own? I still would like to know how someone can just say that they're someone else when after being pulled over by a cop. You'd think they'd at least haul the person to jail if they had no i.d. and make them prove who they said they were before being released.

Yes. See the person that bailed me out and who I had to sign my CC over to pay the Tickets to get out was the guy who did it. He was scared out of his drawers to tell me. As he waited until we were on the phone and where he wasnt close enough for me to STRANGLE him to tell me he did it.

Yes, my family has done some things in the PAST that was not right and I have definately paid for it. They are good people but they do STUPID stuff sometimes and they dont think of the consequences when they do them. I didnt know much about Credit until after I graduated from College and I dare anyone of them to try something like that now.

As far as the money, I have already thought about that. Make no mistake, I am making sure this family members stays scared and on his toes. I know the Cops wont investigate who the real Perp was as it is not worth their time and money to do it. But that is not what I am telling this family member. I made sure for a while that he had a little fear of getting into trouble over what he did. Also, WHEN I win my ID Hearing, the County has to give me my money back ($470) that I paid to get out of jail for tickets that wer not mine...but dont expect me to tell the family member that . So in reality, I will NET $470 bucks, too bad the hearing couldnt have been around the same time as my VACATION .

- Mike G.

[Maikeru-sama]

Also, the Cop I spoke to in Irving said it was up to the Cop to make a judgement. He said when runs across people with No Insurance or ID or nothing to prove who they are, he does things like run their LP# to see who the car is registered under and things like that.

One Clerk at the Dallas County Courthouse acted like what you just asked was a stupid question. She goes, "We cant arrest everyone that doesnt have a DL# and No Insurance".

The System is flawed on so many level but that is an entirely different Website all together.

It is scary that someone can get pulled over and say...Yeah im Mickgreen58 and not have to prove it.

- Mike G.

[breathing_easier]

The thing that would have sent me over the edge would be that this family member did this after knowing what you had to go through the first time. If he wanted to use a fake name, why did it have to be yours? You say he has a good heart...sorry, there's a difference between being "stupid" and "criminal." Is he getting counseling? I would tell him that I was getting the $470 back and I'd have a big smile on my face when I said it.

I still don't understand how the perps pull this off. They honestly just told the cop they were someone else and were believed? What does he say exactly happened??

[Maikeru-sama]

The thing that would have sent me over the edge would be that this family member did this after knowing what you had to go through the first time. You say he has a good heart...but he's in need of heavy-duty counseling.

I still don't understand how the perps pull this off. They honestly just told the cop they were someone else and were believed? What does he say exactly happened??

Not sure, I was not there. And trust me, I took the advice of the Clerk I spoke to at the Grand Prairie Courthouse and called the DPS in Austin(Department of Public Safety) and spoke to a Ranger about getting a "FLAG" on my account. Meaning, if someone uses my name, then the Officer will see that my Account is flagged and call the local DPS Office and see that that particular DL# has had problems with fraud. But anyway, as I knew already, the Ranger told me that people lying about who they are when pulled over is a HUGE problem and he even said they are working on some software to counteract it.

Heck, I told my next door neighbor about this. He is from Africa and lives with his brother and sister. He got pulled over one day and he knew he had warrants out and panicked and told the Cops that he was his brother. The only difference was he told his brother about it right afterwards and gave him the money to pay it.

I guess, like if you have a cousin or brother and you know where they live, you just say im So and So and give their address. I dont think when the Cop looks you up in the Computer it shows your Description. So if the guy does not have a Driver's License or no other form of ID and the car doesnt come back as stolen (in my case the car this family member was driving was my Mother's and thus my last name and her's matched up and thus nothing looked suspicious) the Officer has to make a judgement call and if there were no obvious signs of wrong doing, will just let the dude go. I think they need to start taking pictures of people when they stop them.

Funny...the family member who did this didnt want me to tell my Mother, which I did anyway but told her not to tell him she knew. She told me, "You are taking this alot better than I would...I would have beat the YOU KNOW WHAT out of him".

- Mike G.

[Maikeru-sama]

FYI, here is the thread that I started over at Lawyers.com right after the 2nd incident happened. I guess their records dont go back to 2003, because I would like to re-read what I wrote on there after the 1st Incident took place.

LINK

Looking back at that thread...it is funny HOW PO'ed I was about it .

- Mike G.

[breathing_easier]

Heck, I told my next door neighbor about this. He is from Africa and lives with his brother and sister. He got pulled over one day and he knew he had warrants out and panicked and told the Cops that he was his brother. The only difference was he told his brother about it right afterwards and gave him the money to pay it.

So another crook lives right next door to you. Nice. If they didn't have outstanding warrants in the first place (meaning they didn't take care of previous tickets) then they wouldn't have to lie about who they were. Don't these people realize that even though they "fess up" to the victim and pay the ticket, that the derogatory information remains on the victim's DMV record? Which can cause your insurance rates, etc. to get jacked?! Anyone going through credit repair and trying to get their credit report cleaned up should be hyper aware of this.

I still cannot believe that in Texas you can drive around with no identification, can say "I'm so and so and live at such and such an address" and the Texas Ranger will believe you. If they realize it's such a problem then they need to haul the driver's butt down to the precinct until a friend or family member shows up with their photo i.d. If they get cute and bring fake i.d., jail time. Sorry, I have no patience with people who steal other's identities or even lie about who they are.