Use this letter if your initial attempts to gain a response from the credit reporting agency prove fruitless. In this letter, and all succeeding correspondence with the credit reporting agency, you need to get increasingly threatening. Keep a copy for your files and send the letter registered mail.
123 Your Street Address
Your City, ST 01234
Credit Bureau Address
Some City, Any State 56789
RE: Dispute Letter of
Dear Credit Bureau:
This letter is formal notice that you have failed to respond to my dispute letter of. I sent the initial letter registered mail and have enclosed a copy of the return receipt that you signed on.
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you no doubt are aware, failure to comply with federal regulations by credit reporting agencies is a serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I’m sure you’ll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.
The following information, therefore, needs to be verified and deleted from my credit report as soon as possible:
CREDITOR AGENCY, acct. XXXX-XXXX-XXXX-XXXX
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