January 1, 2010 John Consumer Consumer
Address City, State
Zip SSN: 000-00-0000 | DOB: 1/1/1970
Experian P.O. Box 2002 Allen, TX 75013 Attn: Complaint Department
Dear CRA, My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending tis dis!"te erti$ed mail # xxxx t% ma&e s"re y%" reei'e it. My re!%rt # is xxxxx. Tere is n% s" ("dgment %) re%rd # xxxx )r%m tis C%"rt )%r tis date )%r tis am%"nt )r%m tis redit%r. I a'e erti$ed d%"mentati%n )r%m te C%"rt tat s"!!%rts my dis!"te %) tis err%ne%"s entry %n my re!%rt.
I) tis entry is 'eri$ed, !lease send me te name and address %) te !r%'ider %r )"rniser !r%'iding tis data, and te manner in *i it *as !r%'ided in %rder tat I may !"rs"e additi%nal legal remedies.
As y%" &n%*, te +air Credit Re!%rting At re"ires y%" t% )%ll%* reas%na-le !r%ed"res t% ass"re maxim"m !%ssi-le a"ray %) te in)%rmati%n %n my redit redit re!%rt. Tere)%re, I am re"esting re"esting y%" 'eri)y te items I am dis!"ting at a iger standard tan a %m!"ter generated in"iry, in"iry, e/sar %r tird !arty data-ase sear. lease als% n%ti)y te s%"re *% re!%rted te item *itin 5 days a)ter reei'ing tis dis!"te, and %-tain an a2da'it s*%rn "nder !enalty %) !er("ry %) 'eri$ati%n diretly )r%m a !ers%n at tat s%"re.
Accordin to the !air Credit "eportin Act, Section #0$ %a&%1&%A&, your company is re'uired (y )edera* *a+ to eri)y - throuh the physica* erication o) the oriina* sined certied consumer contract - o) any and a** accounts you re'uest to (e posted and or reported on a credit report.
/ demand to see a copy o) the eria(*e, a*idated Proo) %an oriina* Consumer Contract +ith a +et-in Sinature on it, copies o) copies are not a*idation and (y a+ are not considered proo)&, that you hae on *e )or the account *isted a(oe. 3nder the !C"A, uneried, ina*id accounts must (e remoed. /) you are una(*e to proide the me +ith a copy o) the eria(*e4a*idated proo) that you hae on *e +ithin 50 ca*endar days )rom receipt o) this notice, )or the account *isted a(oe then you must at once remoe the account )rom %6our 7ame& credit reports. / demand the account (e eried or remoed immediate*y8 9he *a+ is ery c*ear as to the Cii* *ia(i*ity and the remedy aai*a(*e to me )or the :ne*ient noncomp*iance: %Section #1;& i) you )ai* to comp*y +ith this !edera* a+. 6our )ai*ure to positie*y eri)y these accounts has hurt my a(i*ity to o(tain credit. 3nder the !C"A, uneried accounts must (e remoed and i) you are una(*e to proide me a copy o) eria(*e proo), you must remoe the accounts *isted (e*o+. I demand the following accounts be verified or removed immediately.
ame %) A%"nt4 r%%) %) eri$ati%n
1. Case 6an&
A%"nt "m-er4
#53337308093 :
r%'ide ysial
;n'eri$ed A%"nt
<=and >rite tis in)%rmati%n *it -l"e in& !en? Ma&e s"re tat y%" d%nt a'e m%re tan 99 a%"nts listed
ury )rom that indiidua*, in other +ords a )act +itness. 9he ?ethod o) Procedure as mandated (y 1@ 3SC section 1#1%i&%;&or !C"A section #11 %a& %;&.
/ +i** expect you to comp*ete your inestiation +ithin 50 ca*endar days )rom the date you receied this dispute or the item (ein disputed
+i** (e uneria(*e and su(>ect to de*etion.
Thank You,
Sign y%"r name ere (Your Name Here)
IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presene of!
"#RINT $O%R N&'E HERE(
)))))))))))))))))))))))))))))))))) Witness * #rint! Signat+re
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)))))))))))))))))))))))))))))))))) Witness #rint! ST&TE OF -O%NT$ OF I HERE$ -ERTIF$ that on this day before /e, an offier d+ly 0+alified to ta1e a1nowledg/ents, personally appeared " $O%R N&'E HERE (, who is personally 1nown to /e or who has prod+ed ))))))))))))))))))))))))))))))))))))))))))))) as identifiation and who e2e+ted the foregoing instr+/ent and he3she a1nowledged before /e that he3she e2e+ted the sa/e. WITNESS /y hand and offiial seal in the -o+nty and State aforesaid this ))))) day of )))))))))))))))))))) 4*5.
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Notary #+bli
#rinted Na/e!
My commission expires:
Seal:
Attached: Copy of my Social Security Card & Drivers License is attached Sent: USPS Certified Mail #
cc. Consumer Financial Protection Bureau (CFPB) P! Bo" #$%& Iowa City IA $''##
§ 609. Disclosures to consumers [15 U.S.C. § 1681g] (a) Inormation on !le" sources" re#ort reci#ients. $%er& consumer re#orting agenc& s'all u#on reuest an* su+,ect to 610(a)(1) [§ 1681'] clearl& an* accuratel& *isclose to t'e consumer(1) ll inormation in t'e consumer/s !le at t'e time o t'e reuest ece#t t'at not'ing in t'is #aragra#' s'all +e construe* to reuire a consumer re#orting agenc& to *isclose to a consumer an& inormation concerning cre*it scores or an& ot'er ris scores or #re*ictors relating to t'e consumer. (2) 3'e sources o t'e inormation" ece#t t'at t'e sources o inormation acuire* solel& or use in #re#aring an in%estigati%e consumer re#ort an* actuall& use* or no ot'er #ur#ose nee* not +e *isclose*- 4ro%i*e* 3'at in t'e e%ent an action is +roug't un*er t'is title suc' sources s'all +e a%aila+le to t'e #lainti un*er a##ro#riate *isco%er& #roce*ures in t'e court in 'ic' t'e action is +roug't. (7)() I*enti!cation o eac' #erson (inclu*ing eac' en*user i*enti!e* un*er section 60(e)(1) [§ 1681e]) t'at #rocure* a consumer re#ort (i) or em#lo&ment #ur#oses *uring t'e 2&ear #erio* #rece*ing t'e *ate on 'ic' t'e reuest is ma*e" or (ii) or an& ot'er #ur#ose *uring t'e 1&ear #erio* #rece*ing t'e *ate on 'ic' t'e reuest is ma*e. (:) n i*enti!cation o a #erson un*er su+#aragra#' () s'all inclu*e (i) t'e name o t'e #erson or i a##lica+le t'e tra*e name (ritten in ull) un*er 'ic' suc' #erson con*ucts +usiness" an*
(ii) u#on reuest o t'e consumer t'e a**ress an* tele#'one num+er o t'e #erson. ; Su+#aragra#' () *oes not a##l& i (i) t'e en* user is an agenc& or *e#artment o t'e Unite* States ation o t'e consumer inclu*e* in t'e !le at t'e time o t'e *isclosure. (5) recor* o all inuiries recei%e* +& t'e agenc& *uring t'e 1&ear #erio* #rece*ing t'e reuest t'at i*enti!e* t'e consumer in connection it' a cre*it or insurance transaction t'at as not initiate* +& t'e consumer. (:) $em#t inormation. 3'e reuirements o su+section (a) o t'is section res#ecting t'e *isclosure o sources o inormation an* t'e reci#ients o consumer re#orts *o not a##l& to inormation recei%e* or consumer re#orts urnis'e* #rior to t'e eecti%e *ate o t'is title ece#t to t'e etent t'at t'e matter in%ol%e* is containe* in t'e !les o t'e consumer re#orting agenc& on t'at *ate. ; Summar& o rig'ts reuire* to +e inclu*e* it' *isclosure. (1) Summar& o rig'ts. consumer re#orting agenc& s'all #ro%i*e to a consumer it' eac' ritten *isclosure +& t'e agenc& to t'e consumer un*er t'is section () a ritten summar& o all o t'e rig'ts t'at t'e consumer 'as un*er t'is title" an* (:) in t'e case o a consumer re#orting agenc& t'at com#iles an* maintains !les on consumers on a nationi*e +asis a tollree tele#'one num+er esta+lis'e* +& t'e agenc& at 'ic' #ersonnel are accessi+le to consumers *uring normal +usiness 'ours. (2) S#eci!c items reuire* to +e inclu*e*. 3'e summar& o rig'ts reuire* un*er #aragra#' (1) s'all inclu*e () a +rie *escri#tion o t'is title an* all rig'ts o consumers un*er t'is title" (:) an e#lanation o 'o t'e consumer ma& eercise t'e rig'ts o t'e consumer un*er t'is title"
; a list o all ?e*eral agencies res#onsi+le or enorcing an& #ro%ision o t'is title an* t'e a**ress an* an& a##ro#riate #'one num+er o eac' suc' agenc& in a orm t'at ill assist t'e consumer in selecting t'e a##ro#riate agenc&" (D) a statement t'at t'e consumer ma& 'a%e a**itional rig'ts un*er State la an* t'at t'e consumer ma& is' to contact a State or local consumer #rotection agenc& or a State attorne& general to learn o t'ose rig'ts" an* ($) a statement t'at a consumer re#orting agenc& is not reuire* to remo%e accurate *erogator& inormation rom a consumer/s !le unless t'e inormation is out*ate* un*er section 605 [§ 1681c] or cannot +e %eri!e*. (7) ?orm o summar& o rig'ts. ?or #ur#oses o t'is su+section an* an& *isclosure +& a consumer re#orting agenc& reuire* un*er t'is title it' res#ect to consumers/ rig'ts t'e ?e*eral 3ra*e Commission (ater consultation it' eac' ?e*eral agenc& reerre* to in section 621(:) [§ 1681s]) s'all #rescri+e t'e orm an* content o an& suc' *isclosure o t'e rig'ts o consumers reuire* un*er t'is title. consumer re#orting agenc& s'all +e in com#liance it' t'is su+section i it #ro%i*es *isclosures un*er #aragra#' (1) t'at are su+stantiall& similar to t'e ?e*eral 3ra*e Commission #rescri#tion un*er t'is #aragra#'. (=) $ecti%eness. @o *isclosures s'all +e reuire* un*er t'is su+section until t'e *ate on 'ic' t'e ?e*eral 3ra*e Commission #rescri+es t'e orm an* content o suc' *isclosures un*er #aragra#' (7).
