Submitted by Naomi M on Tue, 10/02/2007 - 18:39.
(Your Name and Address Here)
(Creditor Dispute Department and Address Here)
(Date)
RE: Dispute Letter of, Follow-up Letter of (insert date)
NOTICE OF INTENT TO FILE COMPLAINT
To whom it may concern:
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter date (insert date), as well as my follow-up letter dated (insert letter). To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it is contemptible. Rest assured I will hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 16 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., No. 95-6445 (C.D.Cal. Nov 14, 1995), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days ago and again 40 days ago:
Name of Creditor/Agency, Account #__________
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney's fees. For this purpose I am carefully documenting these events, including the lack of response required under the law from you.
You are further directed to supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
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 15 days of the completion of your re-investigation.
Sincerely,
(Your signature)
(Print your name here)
(Print your address here)
(Your SSN here)
Sample Credit Deletion Letter No. 11 Intention to File a Complaint with the FTC
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Threatening to write a complaint letter to the FTC or Attorney General is NOT EFFECTIVE
Though widely promoted in other courses and on the internet, writing a complaint letter to the FTC or the attorney general will fall on deaf ears. The regulators already know exactly what’s going on. The fact that massive regulatory enforcement has not happened against the credit bureaus should be proof enough the system doesn’t serve the consumer’s interest first – it serves corporate interests first. To their credit, the FTC does go after abusive debt collectors on occasion.The Credit Secrets Bible teaches you a much better method, namely, to make FACTUAL DISPUTES whereby specific facts must be verified and to document their violations to build leverage against them. This is the method that works best. |
(Your Name and Address Here)
(Creditor Dispute Department and Address Here)
(Date)
RE: Dispute Letter of
NOTICE OF INTENT TO FILE COMPLAINT
To whom it may concern:
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter date (insert date), as well as my follow-up letter dated (insert letter). To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it is contemptible. Rest assured I will hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 16 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., No. 95-6445 (C.D.Cal. Nov 14, 1995), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days ago and again 40 days ago:
Name of Creditor/Agency, Account #__________
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney's fees. For this purpose I am carefully documenting these events, including the lack of response required under the law from you.
You are further directed to supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
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 15 days of the completion of your re-investigation.
Sincerely,
(Your signature)
(Print your name here)
(Print your address here)
(Your SSN here)
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