Credit Bureau Name
Credit Bureau Address
Credit Bureau City, State, and Zip Code
Your City, State, and Zip Code
Your Date of Birth
Your Social Security Number
Dear CREDIT BUREAU NAME,
Re: Account Name and Number
I have disputed the below items several times with you to no avail.
You sent correspondence stating the account in question “WAS PREVIOUSLY INVESTIGATED.” I proceeded to access my consumer report via [Recipient Name]’s website and make copies of the information pertaining to:
ACCOUNT NAME AND NUMBER
15 U.S.C. § 1681i(a)(1)(a) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant.
While the correspondence that was sent by [Recipient Name] indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant.
It has been over 30 days since [Recipient Name] received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my [Recipient Name] file pursuant to 15 U.S.C. § 1681i(a)(1)(a). I will NOT accept another reinvestigation of the account, ONLY deletion.
[Recipient Name] has 10 days from the receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by [Recipient Name]’s willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. I look forward to an amicable solution to this matter.
Thank you for your time,
YOUR FIRST AND LAST NAME
YOUR SOCIAL SECURITY NUMBER