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609 Credit Dispute Letter1

The letter is a request sent to Equifax to verify or remove inaccurate accounts from the recipient's credit report. It lists one account - a Chase Bank account ending in 304023 - that is unverified and demands Equifax provide documentation proving the accuracy of the listed accounts within 30 days or remove them as required by law. It also requests removal of non-account inquiries over 30 days old and includes copies of the recipient's social security card and driver's license.

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Juanita
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17K views2 pages

609 Credit Dispute Letter1

The letter is a request sent to Equifax to verify or remove inaccurate accounts from the recipient's credit report. It lists one account - a Chase Bank account ending in 304023 - that is unverified and demands Equifax provide documentation proving the accuracy of the listed accounts within 30 days or remove them as required by law. It also requests removal of non-account inquiries over 30 days old and includes copies of the recipient's social security card and driver's license.

Uploaded by

Juanita
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
  • Sample Dispute Letter: Sample letter format to use when disputing items on a credit report, covering the structure and key details to include.
  • Identification Instructions: Provides guidance on preparing identification documents like SSN and ID cards for submission with a report request.
  • Sample Identification Copies: Instructions for preparing, copying, and including identification records when disputing credit reports.

Your Full Name (Make sure it matches the name on your credit report)

Address
City, State Zip
SSN: 000-00-0000 | DOB: 7/1/1960
June 1, 2013
Equifax
P.O. Box 740256
Atlanta, GA 30374

This letter is to inform you that I recently received a copy of my credit report that your
company publishes and after reviewing it I found a number of items on the report that are
inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you
used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that
you disclose to me all of the documents that you have recorded and retained in your file at the
time of this request concerning the accounts that you are reporting in my credit report. Please
dont respond to my request by saying that these accounts have been verified. Send me copies of
the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed
accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By
publishing these inaccurate and unverified items on my credit report and distributing them to 3rd
parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on
file for each of the accounts listed below within 30 days of receipt of this letter then you must
remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these
items removed.

I demand the following accounts be properly verified or removed immediately.

NameofAccount:AccountNumber:ProvidePhysicalProofofVerification

1. Chase Bank #533376304023 Unverified Account

(Hand Write this information with blue ink pen)


Make sure that you dont have more than 22 accounts listed

* NOTE: Please also remove all non-account holding inquiries over 30 days old.

Thank You,

Sign your name here


(Your Name Here)

Attached: Copy of my Social Security Card & Drivers License is attached


Sent: USPS Certified Mail
Take these cards down to your copy center and make clear copies of both on one sheet.
They must be legible or else the credit bureaus will reject them.

COPY of SSN CARD

COPY OF ID CARD
(Drivers License, Passport or
State ID Card)

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