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Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
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.
Your dispute letter should include the following information: Your full name. Your date of birth. Your Social Security number. Your current address and any other addresses at which you have lived during the past two years. A copy of a government-issued identification card such as a driver's license or state ID.
List each item on your report that you believe is inaccurate, the account number and the specific reason you feel the information is incorrect. Download the dispute form at files.consumerfinance.gov/f/documents/092016_ cfpb_CreditReportingDisputeLetter.