This form is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (e.g., copies of cancelled checks showing timely payments). If the person claims that the information of the bureau is erroneous, the bureau must take steps within a reasonable time to determine the accuracy of the disputed items. If no correction is made, the debtor can write a 100 word statement of clarification which will be included in future credit reports, even it the agency disagrees with clarification.
609 Credit Dispute Letter Template For Credit Bureaus
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Multi-State
Control #:
US-01600BG
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Word;
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How to fill out Letter To Credit Bureau Requesting The Removal Of Inaccurate Information?
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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.
Personal information: Include your full name, date of birth, address, and phone number. Attorney information: If you have an attorney include their name and contact information. Account number with the credit bureau:Include your account number with the credit bureau that gave you the credit report.
How Do You Write a 609 Letter? Your full legal name. Your complete address. Your phone number. Statement pertaining to your 609 rights under the FCRA. Account name and number for any accounts in question. Statement requesting removal of inaccurate information. Attorney contact information, if applicable.
Below is a sample of a typical 609 letter, as well as a downloadable PDF version that you can print: Dear Credit Bureau (Experian, TransUnion, or Equifax), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.
In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt. If a credit bureau is able to verify your debt, it will stay on your report. They also can't relieve you of your existing debt.