Submitted by Naomi M on Tue, 10/02/2007 - 18:45.
(Your Name and Address Here)
(Creditor Dispute Department and Address Here)
(Date)
RE: Dispute Letter of
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U. S. Postal Service on that date.
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 15 USC 41, et seq.). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in 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.
Be aware that i am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible:
Name of Creditor/Agency, Account #__________
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a correctly credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each 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. 12 | Intention to File a Complaint with the FTC No.2
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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
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of
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 15 USC 41, et seq.). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in 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.
Be aware that i am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible:
Name of Creditor/Agency, Account #__________
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a correctly credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each 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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