Credit Report Dispute Letter #2 (View Letter)
Use this letter when, after you’ve already sent an initial dispute letter to credit reporting agencies asking them to remove or correct inaccurate information, they fail to respond.
Given the millions of inquiries and disputes over personal credit reports, it’s not uncommon for requests to get lost in the shuffle or end up at bottom of the pile. When that happens, consider sending a follow up letter that reminds the credit reporting agency of your first dispute letter and that you are still waiting for a reply.
Sending a follow up dispute letter demonstrates to the credit report agency (CRA) that you plan to be persistent in making sure your personal credit profile and credit history remain accurate at all times. It also shows that you are willing to give the CRA the benefit of the doubt about their failure to respond to your first letter.
IMPORTANT! Accurate and timely information cannot be removed from personal credit reports! Use the free sample letter below only if you believe the information you are disputing is inaccurate AND you’ve already sent an initial dispute letter.
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Free Sample Letter
Follow-up Dispute Letter for correcting Personal Credit Reports
Current Phone Number
RE: Dispute Letter Dated
This letter is a formal notice that you have failed to respond in a timely manner to my letter dated, <place the date of your initial letter here>, and deposited by registered mail with the Post Office on that date. For your benefit, and as a gesture of my goodwill, I will restate my dispute:
Item description: (found on your credit report)
The item: is completely (insert appropriate word: inaccurate, incorrect, incomplete, erroneous, misleading, outdated) and needs to be corrected immediately.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
The Fair Credit Reporting Act requires you to investigate and respond to my dispute within 30 days, yet you have failed to do so. I feel it necessary to remind you that you may be liable for your willful non-compliance and that I am maintaining a careful record of my communications with you on this matter, in case your continued non-compliance forces me to file a complaint with the FTC. (See Title 15 USC 41)
Please do not delay further! <insert the appropriate word here> (Delete, Update, Correct) the information identified above and send corrected credit profile to me and to all creditors who have received a copy within the last 6 months, and the last 2 years for employment purposes.
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 listed above.
Your Printed Name
Credit Bureau Dispute Addresses
National Consumer Assistance Center
PO Box 2002 Allen, TX 75013
TransUnion: (Eastern United States)
Chester, PA 19022
TransUnion: (Western United States)