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FILE SAMPLE AFFIDAVIT TO DISPUTE NEGATIVE ITEMS OFF CREDIT REPORT
FILE SAMPLE AFFIDAVIT TO DISPUTE NEGATIVE ITEMS OFF CREDIT REPORT
An Affidavit is simply a written, notarized sworn statement. An Affidavit can be used for nearly any reason such as to attest of someone’s death or birth, to state a place of residence, or to be entered as evidence in a court trial.
An affidavit is a written statement from an individual which is sworn to be true. It is an oath that what the individual is saying is the truth. An affidavit is used along with witness statements to prove the truthfulness of a certain statement in court.
choose your letter below that fits your situation: attach a copy of your credit report with each letter highlight which items you dispute.
Make sure you HAND ADDRESS the envelope,
DO NOT send it CERTIFIED OR RR SEND IT PRIORITY MAIL WITH PROOF OF DELIVERY ONLY-WAIT FOR THE FULL RESPONSE
Letter to Bureaus
Letter to Bureaus
( After Collection Agency Can’t Prove You Owe)
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
RE: Name/Number of account you are disputing To Whom It May Concern: This letter is being written to dispute the above account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt.The Fair Credit Reporting Act requires that you respond to my dispute within thirty days as well as verify its accuracy. If the account cannot be verified, your company must delete the account from my credit report. If you cannot show proof that you have verified this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
Sincerely,
Your Signature
Your Name
Request to Add Positive Information to Credit Report
Request to Add Positive Information to Credit Report
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: In reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file: Creditor Address City, State, Zip Account Number If you need additional information from me, I can be reached at (include phone number). Please inform me if there is a fee for this service.
Sincerely,
Your Signature
Your Name
Letter to Validate a Debt
Letter to Validate a Debt
Date
Name
Address,
City State, Zip
Credit Bureau
Address
City, State, Zip
Re: Include Account Name/ Number To Whom It May Concern: I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debt and have filed a police report. I have a right under the Fair Debt Collections Practices Act to request validation of the bill for which your company is requesting payment. I am asking that you send me proof this account belongs to me as well as any agreement obligating me to it. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.
Sincerely,
Your Signature
Your Name
Response Letter to Credit Bureau Verification Process
Response Letter to Credit Bureau Verification Process
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: In accordance with the law, I have sent the attached letter to creditors in order to confirm the debts you say I owe. Since these creditors cannot verify these debts, even though I am the alleged debtor, your bureau could not have verified these items. I demand that you remove all reference to those accounts from my credit report within thirty days.
Sincerely,
Your Signature
Your Name
Dispute of Unauthorized Credit Inquiry
Dispute of Unauthorized Credit Inquiry
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
RE: Unauthorized Credit Inquiry To Whom It May Concern: The following inquiries were not authorized by me. Please delete them. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. (Company Name and inquiry date) Once your investigation is complete please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that I may follow up.
Sincerely,
Your Signature
Your Name
Letter to Stop Collection Agency from Obtaining a Debt from You
Letter to Stop Collection Agency from Obtaining a Debt from You
Date
Name
Address
City, State, Zip
Credit Bureau Address
City, State, Zip
Account Name/Number
To Whom It May Concern: I am requesting that your company discontinue its efforts to collect on the above account. By law I do not have to deal with your agency as it relates to this account, therefore, you should stop contacting me. I have made arrangements with the original creditor to settle this matter.
Sincerely,
Your Signature
Your Name
Remove Inquiries from Credit Report
Remove Inquiries from Credit Report
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
Re: Unauthorized Credit Inquiry (Include Account Number) To Whom It May Concern: I recently received a copy of my credit report, and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be placed on my credit without my authorization. I am requesting that this inquiry be removed immediately from my credit report. Please send me an updated copy of my credit report after this inaccurate information has been removed.
Sincerely
Your Signature
Your Name
To Remove Inquiries
To Remove Inquiries
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
Re: Fraudulent Credit Inquiry To Whom It May Concern: Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. (List Fraudulent Inquiries): Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual’s credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof likewise.
Sincerely,
Your Signature
Your Name
Removal of Outdated Information from Your Credit Report
Removal of Outdated Information from Your Credit Report
Date
Name
Address
City State Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: After looking at my credit report, I noticed several outdated and inaccurate items: (List account, account number and brief explanation of why it’s inaccurate).
Please investigate these inaccurate items and remove them immediately.
Sincerely,
Your Signature
Your Name
Removal of Outdated Information from Your Credit Report
Removal of Outdated Information from Your Credit Report
Date
Name
Address
City State Zip
Credit Bureau
Address City, State, Zip
To Whom It May Concern: After looking at my credit report, I noticed several outdated and inaccurate items: (List account, account number and brief explanation of why it’s inaccurate).
Please investigate these inaccurate items and remove them immediately.
Sincerely,
Your Signature
Your Name
Removal of Information that Does Not Belong on your credit
Removal of Information that Does Not Belong on your credit
Date
Name
Address
City State, Zip
To Whom It May Concern: I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile.
Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.
The following account does not belong to me and should be removed from my credit report immediately: (List account and account numbers).
Sincerely,
Your Signature
Your Name
Remaining Items
Remaining Items
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
RE: Name/Account Number To Whom It May Concern: Thank you for deleting some of the accounts that incorrectly appeared on my credit report. However, I still dispute the remaining items. These accounts are still being reported inaccurately and are extremely damaging to my credit: In accordance with the Fair Credit Reporting Act section 168i, your company is required to reinvestigate these items and delete them. Please send me an updated copy of my report as soon as the investigation is complete. I would appreciate the name of the individuals you contacted for verification along with their address and phone number so I may follow up.
Sincerely,
Your Signature
Your Name
Follow up letter
Follow up letter
when bureau did not respond to dispute letter
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: I am enclosing a copy of a letter that I mailed to you requesting that you verify the alleged debt your company claims I owe. The return receipt, a copy of which I enclosed, was signed on (date). More than thirty days have passed, and I have not yet received proof that you have validated the debt. Therefore, in accordance with s.1629e(8)of the Debt Collection Practices Act, which clearly states that any information known to be false, cannot be reported to any credit bureau, I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed.
Sincerely,
Your Signature
Your Name
Follow up letter
Follow up letter
when bureau did not respond to dispute letter
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: I am enclosing a copy of a letter that I mailed to you requesting that you verify the alleged debt your company claims I owe. The return receipt, a copy of which I enclosed, was signed on (date). More than thirty days have passed, and I have not yet received proof that you have validated the debt. Therefore, in accordance with s.1629e(8)of the Debt Collection Practices Act, which clearly states that any information known to be false, cannot be reported to any credit bureau, I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed.
Sincerely,
Your Signature
Your Name
Letter to place file freeze on credit
Letter to place file freeze on credit
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: I am requesting that a security freeze be placed on my credit file. My personal information below will assist you in locating my file: Name Address Social Security Number File Number (if you have one) I have also enclosed a copy of a police report as proof that I have been a victim of fraud. Please act promptly on my request.
Sincerely,
Your Signature
Your Name
Request to Remove Bankruptcy Information
Request to Remove Bankruptcy Information
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: I am disturbed that you continue to list a dismissed (filed) bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from “date of adjudication” or date of “order for relief.” Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681(a)(5) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. Sincerely
Your Signature
Your Name
Letter to Bureaus
Letter to Bureaus
After Collection Agency Can’t Prove You Owe
After Collection Agency Can’t Prove You Owe
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
RE: Name/Number of account you are disputing To Whom It May Concern: This letter is being written to dispute the above account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt.The Fair Credit Reporting Act requires that you respond to my dispute within thirty days as well as verify its accuracy. If the account cannot be verified, your company must delete the account from my credit report. If you cannot show proof that you have verified this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
Sincerely,
Your Signature
Your Name
Letter to Debt Collection
Letter to Debt Collection
Name
Address
City, State, Zip
Collection Agency Address
City, State, Zip
To Whom It May Concern: I have received a letter claiming that I owe a debt to (name). Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. A. The original application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law, you have thirty days to supply this proof. In addition, do not contact me again via phone. From now on, we will communicate through mail.
Sincerely
Your Signature
Your Name
Response to Credit Repair Service
Response to Credit Repair Service
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: In response to you letter stating that I am using a credit repair service, you are mistaken. The Fair Credit Reporting Act obligates you to investigate any disputed claim within thirty days. So far, you have not fulfilled your obligation to do so and are in clear violation of the law. I am not using nor have I ever used a credit repair service. I am prepared to take advantage of the protection of the law. I expect you to begin and complete the verification process within thirty days from your receipt of this letter. If I do not receive confirmation of this within that time, I will forward a copy of all correspondence together with a formal complaint to the Federal Trade Commission and the subcommittee on banking and finance.
Sincerely,
Your Signature
Your Name
Dispute Letter
Dispute Letter
Date
Name
Address
City, State, Zip
Credit Bureau
Address
City, State, Zip
To Whom It May Concern: I request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days.
(Company name and account number)
Please send me my updated report as soon as your investigation is completed.
Sincerely,
Your Signature
Your Name
note : HAND WRITE SOME THE LETTER YOUR NAME ADDRESS AND THE CREDIT BUREAU INFORMATION BECAUSE IT FORCE THE BUREAU TO READ IT .....
Sample letter to credit collector
Sample letter to credit collector
Your Name
123 Your Street Address
Your City, ST 01234
ABC Collector
Re: Account #122345
This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I ask you to provide the following information:
1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Regards,
John Hancock
Your Name
SSN# 123-45-6789
Make sure you attach a copy of the pages with the accounts circled from your credit reports.
Here is the suggested text to insert:
I have no knowledge or records of the listed account(s).
Please advise me as to the name(s) and address(es) of the medical provider(s), the date(s) and type(s) of service,and to whom the service(s) was (were) provided, as any account(s) I might have had may be obsolete.
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies
Enclosures: (List what you are enclosing.)
Here are the addresses of the 3 CB
Experian Dispute Department PO Box 9701 Allen, Tx 75013
Transunion PO Box 2000 Chester,Pa.19022,
Equifax PO Box 740256 Atlanta, Ga. 30374
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