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    Validate Debt (609 Letter)

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    nell
    This letter is a formal complaint to a credit bureau regarding inaccurate and incomplete credit information reported on the client's credit report. It demands that the bureau verify an account listed or remove it, in addition to removing inquiries over 30 days old and adding a promotional suppression to the client's credit file. The bureau is notified that it has 30 days to complete a re-investigation of the issues raised in the letter.

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    Validate Debt (609 Letter)

    Uploaded by

    nell
    522 views1 page
    This letter is a formal complaint to a credit bureau regarding inaccurate and incomplete credit information reported on the client's credit report. It demands that the bureau verify an account listed or remove it, in addition to removing inquiries over 30 days old and adding a promotional suppression to the client's credit file. The bureau is notified that it has 30 days to complete a re-investigation of the issues raised in the letter.

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    This letter is a formal complaint to a credit bureau regarding inaccurate and incomplete credit information reported on the client's credit report. It demands that the bureau verify an account listed or remove it, in addition to removing inquiries over 30 days old and adding a promotional suppression to the client's credit file. The bureau is notified that it has 30 days to complete a re-investigation of the issues raised in the letter.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    522 views1 page

    Validate Debt (609 Letter)

    Uploaded by

    nell
    This letter is a formal complaint to a credit bureau regarding inaccurate and incomplete credit information reported on the client's credit report. It demands that the bureau verify an account listed or remove it, in addition to removing inquiries over 30 days old and adding a promotional suppression to the client's credit file. The bureau is notified that it has 30 days to complete a re-investigation of the issues raised in the letter.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 1

    {client_first_name} {client_last_name}

    {client_address}

    {bureau_address}

    {curr_date}

    To Whom It May Concern,

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

    According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to
    verify, through the physical verification of the original signed consumer contract, any and all
    accounts that you post on a credit report. Otherwise anyone paying for your reporting services could
    fax, mail or email in a fraudulent account. 

    I demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you
    have on file for the account listed below. 

    Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,
    unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable
    proof, you must remove the account listed below. 

    I demand that the following account be verified or removed immediately:

    {dispute_item_and_explanation}

    In addition, please remove all non-account holding inquries over 30 days old. Also, please add a
    promotional suppression to my credit file. 

    Under federal law, you have thirty (30) days to complete your re-investigation. 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 fifteen (15) days of the completion of your re-
    investigation.

    Thank you,

    {client_signature}
    _________________________________________
    {client_first_name} {client_last_name}

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