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Failure to Respond Dispute, Intent to File Suite, Credit Bureaus

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT

This letter shall serve as formal notice of my intent to file a complaint with the Federal Trade Commission (FTC), due to your failure to respond to my two previous letters requesting a correction to my credit file.

As indicated by the enclosed copies of letters and mailing receipts, you have received from me by registered mail, a dispute letter dated {date of initial letter}, as well as a follow-up letter, dated {date of second letter}.

I am sure that you are aware of the Fair Credit Reporting Act’s requirement to respond to consumer’s credit report disputes within 30 days, and that the FTC investigates complaints for failure to respond. I have advised you on two separate occasions, more than 75 days ago and again 40 days ago that you are reporting inaccurate information about me. For the record and your benefit, I will restate my dispute:

Line Item: {insert name of creditor, account number or line item number)

Item Description: (this info is found on your credit report)

Requested Correction: (describe exactly what you want. If you want an item deleted say so and explain why. If you want an item corrected or updated, provide the correct information such as names, dates, amounts and so forth and any evidence to support your claim).

“The item above is completely (insert appropriate word: inaccurate, incorrect, incomplete, erroneous, misleading, outdated) and needs to be corrected immediately. I have enclosed a copy of your organization’s credit report dated {insert date of report here} and for your convenience, circled the item(s) described above.

If you do not immediately take steps to resolve this issue, I will be forced to file a formal complaint with the FTC. Furthermore, I intend to consider seeking redress in civil court to recover damages, costs, and attorney fees, should you fail to respond.

Furthermore I expect you to supply me with a description of the procedure used to determine the accuracy and completeness of the disputed information, provide a corrected credit profile to me, all creditors who have received a copy within the last 6 months, and the last 2 years for employment purposes and the name, address, and telephone number of each credit grantor or other subscriber who have received a copy of my credit profile within the last 6 months.

If your re-investigation was negative, please supply the description of the procedure used to determine the accuracy and completeness of the information to my address above. If you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

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