Adverse Action

 

Aggrieved Consumer

123 Main Street

Houston, Texas 77002

(713) 555-5555

Today’s date

 

Via Certified Mail Return Receipt

TransUnion
PO Box 2000
Chester, PA 19022

 

Via CMRRR# 3134

Experian

Information Solutions

601 Experian Parkway

Allen, TX  75013

 

Via CMRRR# 1918

Equifax

c/o CSC Credit Services

652 N. Sam Houston Parkway East, Ste. 400

Houston, TX  77060

 

 

 RE:       Aggrieved Consumer Credit Dispute; SS# 123-45-6789 / TDL# 12345678

            Residence 123 Main Street, Houston, Texas 77002.

 

RE:       (sample) Everybody Rides Auto Finance Company, account no.  ________________, i/n/o Aggrieved Consumer.

 

 

Dear Sirs:

 

I recently obtained a copy of my credit report.    Some of the information on the credit report is wrong.    The specific account tradeline that is wrong is listed above.  The information about this tradeline is wrong because: (choose one or more):

   

a.        this is not my account and I know nothing about this tradeline;

b.        this is not my account.  I suffered an identity theft and filed fraud alerts with (list Experian, TransUnion, Equifax, local police department) on (list date);   

c.        this is my account but the information is wrong because the debt was discharged in bankruptcy several years ago.  I have attached a copy of my bankruptcy discharge for your review.   The date of last activity should be the date of the bankruptcy discharge;

d.        this account is too old.   This account is more than 7 ½ years old and should be deleted from my account;

 

Enclosed is a copy of the relevant entry from my credit report so that you can accurately delete my name from any credit reporting on this account and a copy of the letter that I sent to creditor with all attachments.

 

This entry on my credit report is disputed.  Please conduct an investigation into this tradeline.  If you have any questions, please call.

 

Sincerely,

 

 

Aggrieved Consumer