Debt Mutiny!

Date

Credit Bureau
Address Line 1
Address Line 2

Your Name
Your Address
Your Address Line 2
Your Social Security Number:
Your Date of Birth:

Dear Sir or Madam:

This letter is a formal request to investigate and remove inaccurate information contained in my credit file. I am disputing the item listed below as factually incorrect and incorrectly reported.

The item is highlighted on the attached copy of the credit report and further identified as follows:

Name and Address of Reporting Agency
Account Number
Balance:

This item is false and misleading. I do not owe this debt, and have filed a dispute with the reporting collection agency. I have attached copies of {any statements or other proof} confirming {the accurate account status}. Please note the dates on these statements.

Furthermore, {any additional information testifying to the validity of your statements}. I am requesting that ALL NOTATIONS relating to this be DELETED.

Please inform me in writing of the outcome, including copies of all communications used in the investigation of your dispute, within the time frame required by the Fair Credit Reporting Act. I also respectfully request the correction of my personal information.

For the record: my name is YOUR NAME. All other name variations are inaccurate.

My address is YOUR ADDRESS. All other addresses are inaccurate.

Thank you for your time and consideration in this matter. I certify that all information above is true and factual.

Sincerely,

Signature Your typewritten name
Enc: (how many)

——————————————————————–

Follow-Up Letter if Necessary:

Date

Credit Reporting Agency
Address 1
Address 2

Your Name
Your Address 1
Your Address 2
Your Social Security Number
Your Date of Birth

RE: Collection Agency
CA Address 1
CA Address 2
Account #
Balance

Dear Sir or Madam:

This letter is to inform you that I still dispute the above referenced debt. I am formally requesting the method of verification, as is my right under the Fair Credit Reporting Act.

After receiving your verification of my original debt validation request, I contacted the original creditor of this debt. They have no record that the account referenced is mine. I have attached {any statements or other proof} confirming {the accurate account status}. Please note the dates on these statements.

I also sent a debt validation request to the collection agency responsible for reporting this debt. They did not respond to my request for debt validation, and are now and are now in violation of the FDCPA Section 09 (b) by continuing to pursue collection activity without validating the debt.

Lastly, I was not informed that I had an item in collections before this debt was reported. Collection law states that a collection agency must give me an opportunity to dispute a debt prior to it being reported.

You have failed to validate the above debt and can’t back up the negative listing reported on my credit report.

I do not owe this debt, and I am requesting that ALL NOTATIONS relating to this be DELETED immediately, as they are in violation of the FDCPA.

Please inform me in writing of the outcome, including copies of all communications used in the investigation of your dispute, within the time frame required by the Fair Credit Reporting Act.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to an uneventful resolution of this matter.

Sincerely,

Your Signature
Your Typewritten Name
Enc: {how many}