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
This letter is a formal notice that you have failed to respond in a timely manner to my dispute letter of <insert date>, deposited by registered mail with the U.S. Postal Service on that date.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), you may be liable for you willful non-compliance.
Be aware that I am making a final good, will attempt to have you clear up this matter. You have 15 days to cure.
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible:
Name of Creditor/ Agency, Account #_________________
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six month, or last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had thirty (30) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation.
Thank you for your time,
YOUR FIRST AND LAST NAME
YOUR SOCIAL SECURITY NUMBER