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The letter requests that the credit reporting agency (CRA) verify certain accounts listed on the recipient's credit report by providing the original signed consumer contracts, as required by the Fair Credit Reporting Act. It notes fraudulent accounts could be reported without verification.

What to include with your 609 letter Personal information: Include your full name, current address, phone number and date of birth. Details of accounts: Note the account names and numbers of items you want verified. Proof of identification: Include a copy of your government-issued identification.

Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.

Prohibited Information on Credit Reports The FCRA places a time limit on the reporting of certain negative information. Generally, most adverse information, such as late payments, collection accounts, and Chapter 7 bankruptcies, can only be reported for seven years.

Common violations of the FCRA include: Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. Creditors give reporting agencies inaccurate financial information about you.

Furnishing and reporting old information about you. furnishing and reporting inaccurate information about you. mixing your file with someone else's. failing to follow debt dispute procedures.

This question is one that is often open to interpretation by the court, but, in general, courts accept clearly intentional acts as willful violations as well as “reckless” conduct, whereby an agent's actions contain an unjustifiably high risk of harm that is either known or so obvious it should be known.

Under section 609(a), a consumer reporting agency must, upon request, clearly and accurately disclose to the consumer “all information in the consumer's file at the time of the request” and “the sources of the information.” This requirement applies to all consumer reporting agencies.

An employer that violates the FCRA can be subjected to statutory damages ranging from $100 to $1,000 per violation, and also may be held liable for an employee or applicant's actual losses and attorney's fees. In cases involving willful violations of the law, punitive damages can also result.