Page 76 - Winning The Credit Game Bundle (CK Patrick)

64 THE CREDIT GAME

will know that you are aware of the legal remedies available to you if
they genuinely have made a mistake and they fail to correct it.
Knowing that you are aware that you may be able to sue them over
such a mistake gives them incentive to investigate and correct the
error.
I am including below a sample of a dispute letter you may wish to
send to a credit bureau if you discover an error on your report and the
initial dispute you file through their “dispute” function is rejected.

To Whom It May Concern:
I received a copy of my credit report and found the following
item(s) to be errors.
{dispute_item_and_explanation}
By the provisions of the Fair Credit Reporting Act, I demand that
these items be investigated and removed from my report. It is my
understanding that you will re-check these items with the creditor who
has posted them. Please remove any information that the creditor
cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must
complete this reinvestigation within 30 days of receipt of this letter.
Sincerely yours,

If you do not receive a satisfactory response within 60 days of
sending this letter, here is another letter you can send to escalate the
situation:

To Whom It May Concern,
This letter is a formal complaint that you are reporting inaccurate
and incomplete credit information.
I am distressed that you have included the information below in my
credit profile and that you have failed to maintain reasonable proce-
dures in your operations to assure maximum possible accuracy in the
credit reports you publish. Credit reporting laws ensure that bureaus
report only 100% accurate credit information.
Every step must be taken to assure the information reported is