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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.
But they have different purposes, and only Section 609 will support a dispute letter. Under the FCRA, Section 604 defines the circumstances under which a consumer reporting agency may furnish a consumer report. This section is titled ?Permissible purposes of consumer reports.?
A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices.
Dear Sir or Madam: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
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.
There are various types of credit dispute letters ? General, 609, 611, and 623, each addressing unique credit report discrepancies under distinct Fair Credit Reporting Act sections.
Contact your bank right away. To limit your liability, it is important to notify the bank promptly upon discovering any unauthorized charge(s). You may notify the bank in person, by telephone, or in writing.
Under Section 611, a credit reporting agency is not required to provide consumers with the verification method or send them any written result of the dispute if it is sent electronically. A 611 credit disputing letter is sent after a credit agency confirms that the information mentioned in the letter has been verified.