Sample Letter to Investigate Inaccurate Information
Written by: Kristy Welsh
Letter to request original creditor investigate inaccurate information.
Please follow the instructions on using this letter very carefully or you can do more damage than good.
City, State Zip
Credit Card Company
Credit Card Company Address
City, State Zip
Re: Acct #XXX-XXX-XXXXXXX
Dear Credit Card Company,
I recently pulled my credit report from Experian and TransUnion and to my amazement, saw that you recently have decided to report me 30 days late on this account in (list the dates). I immediately disputed this information with Experian and TransUnion and the results of the investigation came back "verified". Not only was I never late on this account, but according to the Fair Credit Reporting Act (FCRA), as the information furnisher, you are required to notify me of the insertion of negative listings.
Since I have disputed the late payments with the credit bureaus, and you obviously "verified" them, I am very curious as to what kinds of "records" you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
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