Letter to Request Reinvestigation

Letter to Request Reinvestigation

Request a closer look at errors in your credit report with help from this letter.  By asking a credit reporting agency to reinvestigate disputed items in your credit files, you can attempt to remove errors and include favorable information. Make sure that credit reporting agencies:

  • reinvestigate items you’re disputing in your credit report
  • remove or modify disputed information that can’t be verified
  • notify you of any determination on disputed items within five business days

See below for a full product description.

Request for Credit File Reinvestigation




 

Re: ; credit report number: 

 

To Whom It May Concern:

This is a request for you to investigate the following items which appear on my credit report:

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incorrect information

The following personal infomation about me is incorrect:

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incorrect information 1

First instance: 

The correct information is as follows: 

incorrect information 2

Second instance: 

The correct information is as follows: 

incorrect information 3

Third instance: 

The correct information is as follows: 

 

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wrong account

The following accounts are not mine:

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wrong account 1

Creditor's name: 

Account number: 

wrong account 2

Creditor's name: 

Account number: 

wrong account 3

Creditor's name: 

Account number: 

 

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incorrect status

The account status is incorrect for the following accounts:

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status incorrect 1

Creditor's name: 

Account number: 

The correct status is as follows: 

status incorrect 2

Creditor's name: 

Account number: 

The correct status is as follows: 

status incorrect 3

Creditor's name: 

Account number: 

The correct status is as follows: 

 

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old information

The following information is too old be included in my report:

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too old 1

Creditor's name: 

Account number: 

Date of last activity: 

too old 2

Creditor's name: 

Account number: 

Date of last activity: 

too old 3

Creditor's name: 

Account number: 

Date of last activity: 

 

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old inquiries

The following inquiries are older than two years:

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older than two years 1

Creditor's name: 

Date of inquiry: 

older than two years 2

Creditor's name: 

Date of inquiry: 

older than two years 3

Creditor's name: 

Date of inquiry: 

 

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unauthorized inquiries

The following inquiries were not authorized:

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not authorized 1

Creditor's name: 

Date of inquiry: 

not authorized 2

Creditor's name: 

Date of inquiry: 

not authorized 3

Creditor's name: 

Date of inquiry: 

 

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closed accounts

The following accounts were closed by me and should say so:

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closed accounts 1

Creditor's name: 

Account number: 

closed accounts 2

Creditor's name: 

Account number: 

closed accounts 3

Creditor's name: 

Account number: 

 

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other incorrect information

Other incorrect information:

I understand that you will check each item specified above with the credit grantor reporting the information, remove any information the credit grantor cannot verify, or modify information that is incorrect or incomplete.

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45 days

I further understand that because I am requesting this reinvestigation after receiving my free annual credit report from you, you must complete your reinvestigation within 45 days of receipt of this letter.  (15 U.S.C. section 1681j(a)(3).)

30 days

I further understand that you must complete your reinvestigation within 30 days of receipt of this letter.  (15 U.S.C. section 1681i(a).)

 

Sincerely,

_____________________________________




Social Security number: 
Date of birth: 


Enclosures: 

 

 

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Exercise your right to request a closer look at errors in your credit report

You may have seen a recent copy of your credit history and come away with questions about what it contains. Federal credit laws give you the right to dispute errors you believe are in your credit report, such as inaccuracies, incomplete data, or even information that isn’t supposed to be there in the first place (an account that has been wiped clean, for example). By asking a credit reporting agency to reinvestigate disputed items in your credit files, you can attempt to remove errors and include favorable information.

Nolo’s Letter to Request Reinvestigation helps you exercise your rights under federal credit laws and make sure that credit reporting agencies:

  • reinvestigate items you’re disputing in your credit report
  • remove or modify disputed information that can’t be verified
  • notify you of any determination on disputed items within five business days

By sending one letter, you can clean up errors and inconsistencies on your credit report, leading you one step closer to financial freedom.

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