MY OWN 20+ LETTER TEMPLATE TO REMOVE ANY NEGATIVE
ACCOUNT FROM YOUR CREDIT REPORT AND HELP RAISE
YOUR CREDIT SCORE TREMENDOUSLY
To Whom it May Concern,
Free yourself from bad credit and obtain all the things you
want to achieve in life. Many people wish to find the best
secrets to help fix and improve their credit score. Luckily in
this ebook I will provide all the tips and tricks to remove all
negative accounts from your report and improve your
financial situation.
HERE’S WHAT YOU’LL GET
- Personal information letters
- Collection/ charge off letters
- Inquiries letters & phone script
- Late payment letters
- Validation letters
- Medical collection letters
- Bankruptcy letters
- Certified mail disputing process
V/R
BAMM Credit Consulting
BULLY THE BUREAUS
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
Experian
P.O. Box 4500
Allen, TX 75013
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016
If they do not respond within the 30 to 45 days that is a violation and
the negative accounts should be removed immediately. A failure to
notice letter will below if this happens to you
Please send all letters certified mail for proof of dates and to track your
process.
Here are the items that are required to send with your removal letter
: 1) Photocopy of identification card
2) Photocopy of your Social security card
3) Photocopy of a Proof of current address (phone bill, utility bill,
rent bill, bank statements
Most common errors on your
credit report
-
Incorrect names
-
Wrong or old addresses
-
Accounts not belonging to you
-
An account listed twice
-
Incorrect credit limits
-
Outdated information
PERSONAL INFORMATION
This step is very important and can be very effective but
easily forgotten when looking to remove negative
accounts from your credit.
Before you submit any dispute to the credit bureaus you
always want to have the advantage where they can’t verify
any information or link anything towards that bad debt
You will be sending this letter to each credit bureau
Experian, Transunion, Equifax
Personal information letters
15 U.S. Code § 1681a (2) - Permissiblepurposes of
consumer reports
FIRST NAME LAST NAME
CLIENT ADDRESS
SOCIAL SECURITY NUMBER
CREDIT BUREAU ADDRESS
CURRENT DATE
To Whom It May Concern:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my
attention that some of my personal information is incorrect. If you would please be so kind as to
delete this inaccurate information from my credit profile within the next thirty days, I would
greatly appreciate it. I’ve listed the details on my personal information in which you are
inaccurately reporting and must remove right away. Please see below:
My name is FIRST NAME LAST NAME. I do NOT have any OTHER NAMES or aliases and I
do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE
NOW or produce PROOF of your legitimate AUTHORITY to retain much less report
without infringing my consumer rights thank you.
My current and only address is {Your Address}. I do NOT have any OTHER CURRENT
addresses and I do NOT desire any OTHER ADDRESSES to be reported, if ANY DELETE
NOW or produce PROOF of your legitimate AUTHORITY to retain much less report
without infringing my consumer rights.
My date of birth is {bdate}. I do NOT have any OTHER Dates of Birth and I do NOT desire
any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product
PROOF of your legitimate AUTHORITY to retain much less report without infringing my
consumer rights.
I do NOT have any employers and I do NOT desire any employers to be retained or
reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to
retainmuch less report without infringing my consumer rights.
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a
consumer reporting agency may furnish a consumer report under the following
circumstance and no other ; in accordance with the written instructions to the
consumer to whom it relates. CREDIT REPORTING AGENCY has in fact knowingly
furnished my consumer report with inaccuracies multiple times without having wet ink,
written instructions to do so. These actions have caused my family and I a great deal of
injury.
Furthermore, I am filing this consumer complaint and consumer check for compliance
of these particular items that you are reporting under FACTA Title 1 sec. 151.
I have enclosed copies of my state issued identification and social security number to
validate my identity.
Thank you, in advance, for honoring my requests. It’s my understanding that you have up to
thirty days to follow through on my request so if I don’t receive any updates from you within
thattime frame, then I know that these inaccuracies must be removed automatically. Once you
have removed the inaccurate information I would like my full completed and corrected credit
report showing these changes mailed to (client address).
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
Date
YOUR NAME
YOU ADDRESS
Credit Reporting Agency
Address
RE: Update Personal Information
Dear Credit Reporting Agency Name,
I recently reviewed my credit file and unfortunately found that some of my personal
information was incorrect. You are reporting Information that belongs to someone else.
I am writing to ensure you have the most accurate information in my credit file at all
times. Please delete the following inaccurate information from my credit file within the
next 30 days. I know that you have up to thirty days to meet my requirements. If I do
not receive any updates from you during this period, I know that these inaccuracies
should be automatically removed. I have listed the information about my personal
information that you incorrectly reported and should be deleted immediately.
Please delete the follow inaccurate names: List all misspelled orinaccurate
names
Please delete the following inaccurate addresses: List all old andinaccurate
addresses
Please delete the following invalid telephone numbers: List all old and inaccurate
telephone numbers Please delete the following inaccurate employers: List all old
employers
By reporting these inaccuracies you are in violation of 15 USC 1681b (a) ( ) ; for a
consumer reporting agency may furnish a consumer report under the following
circumstance and no other ; in accordance with the written instructions to the
consumer to whom it relates. CREDIT REPORTING AGENCY NAME has in fact
knowingly furnished my consumer report with inaccuracies multiple times without
having wet ink, written instructions to do so. These actions have caused my family and
i great deal of injury.
Furthermore, I am filing this consumer complaint and consumer check for compliance
of these particular items that you are reporting under FACTA Title 1 sec. 151.
I have enclosed copies of my state issued identification and social security number to
validate my identity.
Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
Collection/ Charge offs
DID YOU KNOW?
Collection agencies are purchasing your debt for just
pennies.
These collection companies have satisfied your debt when
they purchase it from the original creditor
You should never pay a collection
You did not go into contract with the collector, you went
into contract with the creditor. Therefore, you owe the
debt collector nothing.
You will be sending this letter to each collection agency
YOUR FIRST NAME & LAST NAME
YOUR ADDRESS
BIRTHDATE
SSN
CREDIT BUREAUS NAME
CREDIT BUREAUS ADDRESS
DATE
Re: ACCOUNT NAME
ACCOUNT NUMBER
Dear Collector,
My credit report shows a collection from your agency. I was never notified of this
collection. What’s more, I do not believe this debt is accurate because 1. I did not receive
a letter from your agency asking can you furnish any information from me which I know
is a huge violation on my privacy rights. Under the FAIR DEBT COLLECTION PRACTICES
ACT, I have the right to request and receive validation of the debt. Therefore, please
provide me with a copy of all the following:
1) An explanation of what this alleged account balance is for.
2) A complete Audit Trail calculation of this balance, including the complete payment history on
this account, so I have proof that the amount is correct.
3) Documentation that shows I agreed to pay this debt with my signature and documentation
shows I gave you permission to have my information and paperwork showing I gave you the
authorization to report this to my credit report. No consent to you having my information and
unauthorized use of my social security number is identity theft and you will be reported for such.
4) The Agreement grants you authority to collect on this alleged debt.
5) A copy of your state license, including the license number that gives you rights to collect in
my state.
6. (The purchase agreement)
7. (Swear under penalty of perjury you were present during the alleged debt)
Reporting information that you know to be inaccurate or failing to report information correctly
violates the Fair Credit Reporting Act.
Also, you have committed the following FDCPA Violations:
15 U.S. Code §?1692d-Harassment and abuse
A debt collector may not engage in any conduct the natural consequence of which is to
harass, oppress, or abuse any person in connection with the collection of a debt. (1)The
use or threat of violence or other criminal means to harm the physical person, reputation,
or property of any person. You are harming my reputation which is a violation.
15 U.S. Code §?1692e-False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means
in connection with the collection of any debt. (2)The false representation of—(A)the
character, amount, or legal status of any debt. This debt is being reported falsely.
15 U.S. Code §?1692f-Unfair practices
A debt collector may not use unfair or unconscionable means to collect or attempt to
collect any debt.
(8)Using any language or symbol, other than the debt collector’s address, on any
envelope when communicating with a consumer by use of the mails or by telegram,
except that a debt collector may use his business name if such name does not indicate
that he is in the debt collection business. You used symbols on envelopes that violated
the law.
15 U.S. Code §?1692g-Validation of debts(a)Notice of debt; content within five days after
the initial communication with a consumer in connection with the collection of any debt,
a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing—(2)the name of the creditor to whom the debt is owed; I am the creditor
under 15 u.s code 1692a so the debt is owed to me.
15 U.S. Code § 1692j - Furnishing certain deceptive forms
(a)It is unlawful to design, compile, and furnish any form knowing that such form would
be used to create the false belief in a consumer that a person other than the creditor of
such consumer is participating in the collection of or in an attempt to collect a debt such
consumer allegedly owes such creditor, when in fact such person is not so participating.
I am not participating in the collection of this alleged debt.
Stop contacting me about this or any other matter you have. cease and desist ASAP and
delete this account from my credit reports, except to provide me with accurate validation
of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau (CFPB), My State
Attorney General Office, and The Better Business Bureau to have confirmation of proof if you
respond without the proper validation request or not in the 15-day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is
considered an insufficient validation response and this item must be removed immediately or I
will seek litigation for Monetary damages along with the violations you have already committed.
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
DATE
COLLECTION AGENCY NAME COLLECTION AGENCY ADDRESS COLLECTION AGENCY CITY,
ADDRESS, ZIP
RE: {account_number}
To Whom It May Concern:
I am writing due to the negative marks you’ve made on my credit file. I would be willing to
accept this debt if it were mine and upon Validation and Proof of Claim but i know there’s no way
that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection
Practices Act (FDCPA) so let it be known that I am requesting full validation of this debt. I am
requesting proof that I am indeed the party you are asking to pay this debt, and that there is
some contractual obligation that is binding on me to pay it. I request that you stop contacting me
by telephone and restrict your contact with me to writing only, and only when you can provide
adequate validation of this alleged debt. To refresh your memory on what constitutes legal
validation, here is a list of the required documentation:
●
Complete payment history, the requirement of which has been established by Spears v
Brennan, 745 N.E.2d 862; 2001 Ind. App. LEXIS 509. Please provide verification by line
item (with an explanation of each item such as when the purchase took place, how much
the item was, where the goods were received, when were the goods were received, etc.)
for the entire amount you say I owe obtained directly from the Original Creditor.
●
Date of Last Activity
●
My full, complete and correct social security number may help to identify me as the
correct person you are trying to collect from.
●
The agreement bears the signature of the alleged debtor wherein he agreed to pay the
original creditor.
●
The obligation between you and me that allows you to collect on the alleged debt and
any transactions between your company binds me to an agreement to pay your
company any money that you claim I owe.
●
Proof of photo identification (i.e., driver's license, state identification card, or another
government-issued identification card) that was presented to you at the time of incurring
this debt.
●
Letter of sale or assignment from the original creditor to your company. (Agreement with
your client that grants you the authority to collect on this alleged debt.) Coppola v. Arrow
Financial Services, 302CV577, 2002 WL 32173704 (D.Conn., Oct. 29, 2002) information relating to the purchase of bad debt is not proprietary or burdensome. The
debtor must phrase their request clearly to obtain: The source of a debt and the amount
a bad debt buyer paid for the plaintiff's debt, how the amount sought was calculated,
where at issue a list of reports to credit bureaus, and documents conferring authority on
the defendant to collect a debt.
●
Proof that this debt has not been written off as a tax liability.
●
Any other intimate knowledge of the creation of the debt by you, the collection agency.
I'm sure you know, under FDCPA Section 809(b), you are not allowed to pursue collection
activity until this debt is validated. You should be made aware that in Boatley v. Diem
Corporation, No. Civ 03-0762 (D.C. Ariz. 2004), the court ruled that reporting a collection
account is, indeed, considered collection activity. You should also note that this is not a
request for “Partial” Validation but rather, it’s a request for EVERYTHING listed here in order to
constitute full and sufficient validation of this debt.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
INQUIRIES
You can remove any inquiry from your credit report that’s
not connected to an open account
You will be sending this letter to each credit bureau
Experian, Transunion, Equifax
INQUIRY REMOVAL LETTER
YOUR NAME
YOU ADDRESS
CREDIT REPORTING AGENCY NAME
CREDIT REPORTING AGENCY ADDRESS
RE: INQUIRY REMOVAL
While checking my most recent credit report, I noticed you are reporting unauthorized
and fraudulent credit inquiries made by the following companies below :
Inquiries:
ACCOUNT NAME, Inquiry Date:
ACCOUNT NAME, Inquiry Date:
ACCOUNT NAME, Inquiry Date:
I did not authorize anyone employed by these companies to make any inquiry and view
my credit report on my behalf. In addition, I did not give you (Credit Reporting Agency)
permission to furnish this information on to my credit report without my consent. This is a
violation of the Credit Reporting Act Section 1681b(c) which constitutes fraudulent activity
and is also a serious breach of my privacy rights which is affecting me for future credit
approvals.
Please validate this information with these companies and provide me with copies of
any documentation associated with these accounts bearing my signature, authorizing an
inquiry.
I also demand you, (Credit Reporting Agency) to produce a contract between you
and I, consumer, bearing my signature showing that I gave you permission to
furnish any information on my behalf.
In the absence of any such documentation bearing my signature, I formally request that
these fraudulent inquiries be immediately deleted from the credit file you maintain under
my Social Security number.
Please note that you have 30 days to produce the requested contract and to
complete this investigation, as per the Fair Credit Reporting Act section 611.
My contact information is as follows:
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
Date
Name
Your
AddressSSN
Name of Credit Reporting
AgencyAddress
RE: You Violated the United States Code Law 15 U.S.C. § 1681(c)(1)(A)(B)(i)(3)
FURNISHING reports in connection with credit or insurance transactions that are not
initiated by consumers.
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple
violations and I’m entitled to monetary compensation under FCRA 15 U.S. Code § 1681s–2 - 15
U.S.C. § 1681(c)(1)(A)(B)(i)(3) FURNISHING reports in connection with credit or insurance
transactions that are not initiated by a consumer (Inquires)-(1)In general A consumer
reporting agency may furnish a consumer report relating to any consumer pursuant to
subparagraph (A) or (C) of subsection (a)(3) in connection with any credit or insurance
transaction that is not initiated by the consumer only if—
(A)the consumer authorizes the agency to provide such report to such person or
(B)(i)the transaction consists of a firm offer of credit or insurance.
(3) INFORMATION regarding inquiries
Except as provided in section 1681g(a)(5) of this title, a consumer reporting agency shall not
furnish to any person a record of inquiries in connection with a credit or insurance transaction
that is not initiated by a consumer. Under FCRA 15 U.S. Code § 1681n(b) (B) in the case of
liability of a natural person for obtaining a consumer report under false pretenses or knowingly
without a permissible purpose, actual damages sustained by the consumer as a result of the
failure or $1,000, whichever is greater (2) such number of punitive damages as the court may
allow.
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of
my writing signature giving consent to this matter, please.
The items below should all be removed from my consumer report under 15 US Code
1681(c)(1)(A)(B)(i)(3).
{dispute_item_and_explanation}
under 15 US Code 1681n(b) civil liability of a natural person, I’ve been violated. Also, we were
already involved and sent this letter to the Complaint portal for (Consumer Financial
Protection Bureau, State Attorney General’s Office, Better Business Bureau, and Federal
Trade Commission).
Sincerely,
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
Late payment
No one can’t furnish anything on your report without your
permission and agreement to provide information on your
report
The letter listed below you will send to Experian,
Transunion, Equifax
The definition of a credit card under 15 USC 1681 is the same as it is
under 1602 (I) which states, The term CREDIT CARD means any
card, plate, coupon book or other credit device existing for the purpose
of obtaining money, property, labor, or service on credit. Notice,
Congress said ANY card.
The credit card is my social security card. This is the credit card that
was fraudulently used to originate every consumer credit transaction
below.
FIRST & LAST NAME
ADDRESS
DOB
SSN
CREDIT BUREAUS NAME
CREDIT BUREAUS ADDRESS
Re: Victim of Identity Theft.
This is not a mistake or in
errorDATE
Legal Department,
I declare under penalty of perjury (under the laws of the United States, if executed outside of the United
States) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am
permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful
misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable
under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.
The items found within my credit report that I listed on the following pages are not related to any
transaction that I made. I am alleging that a person or company - without my authorization - used my
personally identifying information to apply for goods, services, or money; and, was successful in creating
some accounts. Please remove the items as soon as possible. If you think this is not true, please swear
under penalty of perjury that you were present during these transactions.
This “DISPUTE LETTER” is being submitted in light of the recent “Overhaul of Consumer Records by the
Credit Bureaus”. I have recently paid for a copy of my credit reports, reviewed my credit file, as is being
reported with you, and noticed there are several inaccurate accounts and/or items on my report. This
means that the below-listed accounts were not opened by me and that I did not profit from these accounts
having been opened. All are being investigated by the FTC
The following Also Known As are reported due to unauthorized use of my personal identifying
information
1. NAME
The following Current Addresses are reported due to unauthorized use of my personal identifying
information
2. ADDRESS
The following Previous Addresses are reported due to the unauthorized use of my personal identifying
information
3. PREVIOUS ADDRESS
The following Employers are reported due to the unauthorized use of my personal identifying information
4. EMPLOYER
The below-listed accounts by the alleged Original Creditors, who have reported these accounts within my credit
reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts.
Someone else who did these that I do not know.
They are being listed as follows:
CREDITORS Account name & Account number
5. INPUT
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting
agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these
accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my
credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states…
According to the FAIR CREDIT REPORTING ACT “FCRA”, Section 1681c (2)
Block ofinformation resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any
information in the file of a consumer that the consumer identifies as information that resulted from alleged identity
theft, not later than four (4) business days after the date of receipt by such agency of…
1. Appropriate proof of identity of the consumer.
2. A copy of an identity theft report
3. The identification of such information by the consumer; and
4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above-listed four (4) items within this package. Therefore, I expect these listed accounts to
be deleted and blocked within four (4) business days. This is clearly an identity theft issue. I am also entitled to
receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public
records items, and inquiries be permanently blocked and deleted.
Furthermore, You Violated 15 U.S. Code § 1681a(2)(B) Exclusions from a consumer Report
any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar
device; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.
The definition of a credit card under 15 USC 1681 is the same as it is under 1602 (I) which states, The term CREDIT
CARD means
any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service
on credit. Notice, Congress said ANY card.
The credit card is my social security card. This is the credit card that was fraudulently used to originate every consumer
credit transaction below.
They should all be removed from my consumer report under 15 USC 1681a(2)(B).
As a consumer by law, these accounts on this letter must be deleted immediately or I will seek monetary damages for
violation of my right 15 USC 1681a(2)(B) in small claims court in my city and state under 15 USC 1681n civil liability
because I’ve been violated. Also, we were already involved and sent this letter to the Complaint portal for (Consumer
Financial Protection Bureau, State Attorney General’s Office, Better Business Bureau, and Federal Trade Commission).
These accounts are not mine they are fraudulent, and I did not give you permission to report them
All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after
this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the
Consumer Financial Protection Bureau's website, consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION:
OBLIGATIONS OF FURNISHERS UNDER THE FCRA
The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all
persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found
in Section 623 of the
FCRA, 15 U.S.C. § 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information
to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they
are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection's website at
consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end
of this document.
Section 623 imposes the following duties:
Accuracy Guidelines
The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the
accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be
available at consumerfinance.gov/learnmore when they are issued. Section 623(e).
General Prohibition on Reporting Inaccurate Information
The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable
cause to believeis inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and
conspicuously specifies an address towhich consumers may write to notify the furnisher that certain information is
inaccurate. Sections 623(a)(1)(A) and (a)(1)(C).
Duty to Correct and Update Information
If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs
determinesthat the information provided is not complete or accurate, the furnisher must promptly provide complete and
accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any
corrections and must thereafter report only the complete and accurate information. Section 623(a)(2).
Duties After Notice of Dispute from Consumer
If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is
inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to
CRAs. Section 623(a)(1)(B).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information
reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing
notice of the dispute. Section 623(a)(3).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information
furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued,
furnishers must comply with them and complete an investigation within 30 days (or 45 days, if the consumer later
provides relevant additional information) unless the dispute is frivolous or irrelevant or comes from a “credit repair
organization.” The CFPB regulations will be available at consumerfinance.gov. Section 623(a)(8).
Duties After Notice of Dispute from Consumer Reporting Agency
If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the
furnisher, the furnisher has a duty to follow certain procedures. The furnisher must:
•
Conduct an investigation and review all relevant information provided by the CRA, including information given
to the CRA bythe consumer. Sections 623(b)(1)(A) and (b)(1)(B).
•
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information
was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that
compiles and maintains files on a nationwide basis. Sections 623(b)(1)(C) and (b)(1)(D).
•
Complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer
later providesrelevant additional information to the CRA). Section 623(b)(2).
• Promptly modify or delete the information or block its reporting. Section 623(b)(1)(E).
Duty to Report Voluntary Closing of Credit Accounts
If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business
furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time
period in which the account was closed. Section 623(a)(4).
Duty to Report Dates of Delinquencies
If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to
any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the
year of thecommencement of the delinquency that immediately preceded the action, so that the agency will know how long to
keep the information in the consumer's file. Section 623(a)(5).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports
information to CRAs may comply with the requirements of Section 623(a)(5) (until there is a consumer dispute) by reporting
the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with
the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date cannot
be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the
account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623(a)(5).
Duties of Financial Institutions When Reporting Negative Information
Financial institutions that furnish information to “nationwide” consumer reporting agencies, as defined in Section 603(p),
must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7). The
Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.
In the absence of any such documentation bearing my signature, I formally request that these fraudulent
inquiries be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to produce the requested contract and to complete this investigation,
as per the Fair Credit Reporting Act section 611.
My contact information is as follows:
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
DATE
YOUR NAME
YOU ADDRESS
CREDIT REPORTING AGENCY NAME
CREDIT REPORTING AGENCY
ADDRESS
Dear {bureau_name},
I received a copy of my credit report and I have found the following items listed below to be in error.
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an
open end consumer credit plan as late for any purpose, unless the creditor has adopted
reasonable procedures designed to ensure that each periodic statement including the information
required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21
days before the payment due date.
I NEVER gave You, Credit Reporting Agency OR ({creditor_name}) any written instruction to furnish any
information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has
caused severe stress and anxiety due to the abusive and unfair practices.
You, CREDIT REPORTING AGENCY, should be ashamed of yourself for ASSUMING this role
andposition to constantly commit fraud and cause harm to consumers!
These accounts are listed with late or missed payments and that is incorrect. The following
accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.
ACCOUNT NAME :
ACCOUNT NUMBER:
I was never late on (Month/Year) on this account please update the account as Paid/Current.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and
removed from my report, and I demand that you provide me with concrete evidence and all
documentation proving that I am or have been late.
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 reflecting the requested changes
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
MEDICAL COLLECTION
In order for the credit bureaus to provide this account on
your report you have given them permission to release the
information. According to (HIPAA) you have the right to protect the
privacy of my personal information and medical records from all third party
reporting agencies.
The letter listed below you will send to experian,
tranusunion, equifax
{client_first_name} {client_last_name}
{client_address}
{bdate}
{ss_number}
{bureau_name}
{bureau_address}
{curr_date}
Re: Medical Violation
To {bureau_name}:
Recently checked my credit reports and realized your agency and this debt collector is in
violation of 15 U.S. Code § 1681a(3)Restriction on sharing of medical information.
—Except for information or any communication of information disclosed as provided in,
the exclusions in paragraph (2) shall not apply with respect to information disclosed to
any person related by common ownership or affiliated by corporate control, if the
information is—
(A)
medical information;
(B)
an individualized list or description based on the payment transactions of the consumer for
medical
products or services; or
(C)
an aggregate list of identified consumers based on payment transactions for medical products
or services.
And 15 US Code 1681b (4)Limitation on redisclosure of medical information
Any person that receives medical information pursuant to paragraph (1) or (3) shall not disclose such
information to any other person, except as necessary to carry out the purpose for which the information was
initially disclosed, or as otherwise permitted by statute, regulation, or order.
Under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days and you
must delete the items from my credit file immediately.
{dispute_item_and_explanation}
Thank you for your time and help in this matter.
Sincerely,
{client_first_name} {client_last_name}
Date
Your Name
Your Address
Name of Credit Reporting Agency
Address
YOU ARE BREAKING THE LAW!
UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE
(PROVIDER NAME) MY REQUEST TO RELEASE INFORMATION TO YOU,
(CREDIT REPORTING AGENCY) I DEMAND YOU DELETE THE FOLLOWING
ACCOUNT(S)!
Under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). I reserve
the right to protect the privacy of my personal information andmedical records from all
third party reporting agencies.
Please send the above requested information to my mailing address listed above.
This letter is a request for validation and I request full documentation containing all
information you received from the service provider of this alleged debt.
Continuing to report this Medical debt without properly validating and providing me
proof of permission is a violation of the FCRA (Fair Credit Reporting Act).
You have 30 day to respond to this request or this debt will be considered invalid and
the demand for removal from your reporting agency will be required.
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
BANKRUPTCY
The courts do NOT provide any information to credit
reporting agencies, nor do they ever validate and/or
confirm public records.
The letter listed below you will send to Experian,
TransUnion, Equifax
{client_first_name} {client_last_name}
{client_address}
{bdate}
{ss_number}
{bureau_name}
{bureau_address}
{curr_date}
RE: Your agency Violated my rights to privacy. The law you are violating is clearly here.
The civil liability law under which I will sue is clearly here.
15 U.S. Code § 1681 (a)(4) - Congressional findings and statement of purpose (Consumer Right
to Privacy)
(a)Accuracy and fairness of credit reporting The Congress make the following findings:
(4)There is a need to ensure that consumer reporting agencies exercise their grave
responsibilities with fairness, impartiality, and respect for the consumer’s right to privacy.
Failure to Comply or delete these items
15 U.S. Code § 1681n - Civil liability for willful noncompliance
(a)In general, any person who willfully fails to comply with any requirement imposed under this
subchapter with respect to any consumer is liable to that consumer in an amount equal to the
sum of—(1)(A)any actual damages sustained by the consumer as a result of the failure or
damages of not less than $100 and not more than $1,000;
15 U.S. Code § 1681o Civil liability for negligent noncompliance-(a)In general Any person
who is negligent in failing to comply with any requirement imposed under this subchapter with
respect to any consumer is liable to that consumer in an amount equal to the sum of—(1)any
actual damages sustained by the consumer as a result of the failure; and(2)in the case of any
successful action to enforce any liability under this section, the costs of the action together with
reasonable attorney’s fees as determined by the court.
Under 15 US Code 1681a(4) as a consumer, I have the right to privacy and this
bankruptcy must be deleted from my consumer report or I will seek monetary damages in
small claims court in my city and state. Also, I already sent this letter to the Consumer
Financial Protection Bureau, Attorney General’s Office, Better Business Bureau, and
Federal Trade Commission.
{dispute_item_and_explanation}
Sincerely,
{client_first_name} {client_last_name}
Date:
Your Name
Your Address
Credit Reporting Agency Name
Credit Reporting Agency Address
RE: Bankruptcy File Number
Dear (Credit Reporting Agency):
After reviewing my credit report, I noticed that there is a U. S. Bankruptcy Court items
listed on my credit reports. Per the FCRA 623(a)(5): “If the Credit Bureau cannot
VALIDATE the information with the ORIGINAL CREDITOR, they must remove said
information from the consumer credit file”.
The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy
courts mailed me a letter stating that they do NOT provide any information to credit
reporting agencies, nor do they ever validate and/or confirm public records.
LexisNexis has provided documentation that it could not validate this public record
information. It is the credit reporting agencies, and/or other third-party providers who
collect information regarding public cases from public records. Public records
information is NEVER validated by the Recorder of Deeds nor the U. S. Court system
due to the Fair Credit Reporting Agency PRIVACY LAW.
Public records information is NEVER validated by the Recorder of Deedsnor the U. S.
Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
You, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE
COMMITING FRAUD AS YOU NEVER validated or verified these public record entries
on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative
consumer report is when any portion of which information on a consumer’s character,
general reputation, personal characteristics, or mode of living is obtained through
personal interviews with neighbors, friends, or associates of the consumer reported on
or with others with whom he is acquainted or who may have knowledge concerning any
such items of information.
You are also violating 15 USC 1681b (a) (2) considering you do NOT have my
consent to furnish any information.
Per 15 USC 1681c (a) Bankruptcy information is Excluded from the
consumer 's report.
You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations
are causing me great injury as you are preventing me from receiving credit to support and
sustain my family.
I need the bankruptcy information currently showing under my social security number
to be PERMANENTLY DELETED from my credit report immediately.
As such, if this unauthorized public record information is not deleted from my credit
report within the next 30 days, I will be filing a complaint to the Federal Trade
Commission and Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified
letter will result in a small claims action against your company.
I will be seeking no less than $5,000 in damages for, but not limited to:
1) Defamation
2) Negligent Enhancement of Identity Fraud;
3) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Thank you,
Last:First-Middle / [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved
REPOSSESSION
Date
Your Name
Address
Credit Reporting Agency
Address
Name of Original Creditor
Original Creditor Address
I am writing this letter in regards to the account (Account Name - Account #)
referenced above that is being listed on my credit report by (NAME OF COMPANY).
This account has not been properly verified and as you know failure to comply with
federal regulations by credit reporting agencies are in serious violation of the Fair
Credit Reporting Act and may be investigated by the FTC.
For obvious reasons, I am maintaining very detailed records of all my
correspondence with you in preparation to file a complaint with the Attorney General’s
office and the Consumer Financial Protection Bureau if you continue to list this item
on my credit report. I was given no evidence of my obligation to pay this debt.
The FCRA requires you to verify the validity of the item within 30 days. If the account
can not be verified, you are obligated by law to remove the item and if you do verify this
item please provide the complete name of the person who verified this information,
telephone number, the date you spoke, all documentation provided to you, and the
method of verification as well
In the event that you can not verify the item pursuant to the FCRA, and you continue to
list the disputed item on my credit report I will find it necessary to sue you for actual
damages and declaratory relief under the FCRA.
According to this regulation, I may sue you in any qualified state or federal court,
including small claims court in my area. While I prefer not to litigate, I will use the
courts as needed to enforce my rights under the FCRA.
Best Regards,
Last:First-Middle [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights Reserved