04/03/2025
This is an actual Dispute letter for account validation.
Key points:
1: once this letter is received by the reporting agencies and processed for verification, they will reach out to the creditor. Now, the creditor cannot contact you, I.e. no calls, no emails, nothing.
Keep records of everything. If the creditors call/harass you after that, call a credit attorney. Sue their butts. lol.
2: Some of your negative accounts may fall off. If not, keep sending the letters every 30 days until they do.
3. At some point, you will need the round 2 letters, round 3, threat of legal assistance, CFPB and ftc filings, etc…
4. For now, just send this letter to see what happens and where you are. Let’s do it!
Default Round 1 (Dispute Credit Report Items)
{first_name} {last_name}
{address}
{bdate}
{ss_number}
{bureau_address}
{curr_date}
Re: Letter to Remove Inaccurate Credit Information
To Whom It May Concern:
I received a copy of my credit report and found the following item(s) to be in error:
{dispute_item_and_explanation}
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely,
{signature}
_____________________________________
{first_name} {last_name}
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