Request to Creditor to Remove Inaccurate Information

Request to Creditor to Remove Inaccurate Information

Clear up errors on your credit report by going straight to the source: the creditor. Once you’ve completed the letter and asked a creditor to take steps to clean up inaccurate information on your credit report, the creditor must:

  • provide credit reporting agencies with corrected information related to your account, once that correct information is verified
  • notify credit reporting agencies when you dispute information related to your account
  • resolve their inquiry into your dispute within 30 or 45 days

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Re: 
Account number: 

 


To Whom It May Concern:

I am writing to dispute incorrect information in my credit file, which you furnished to credit reporting agencies.

On , I received a copy of my credit report from credit reporting agency. That report included the following information, furnished by you:

That information is incorrect. The following is the correct, complete information:

 

Multiple Selection
Label Contract Text
supporting documents

I have enclosed copies of the following documents, showing that the information you reported is incorrect:

Under the federal Fair Credit Reporting Act (15 U.S.C. section 1681 and following), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.

This negative mark is damaging my credit. Please promptly contact Experian, TransUnion, and Equifax (and any other credit reporting agency to which you reported this information) and remove this information from my credit file. 

Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.

Thank you for your immediate attention to this matter.

 

Sincerely,

__________________________________________




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All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau's website, www.consumerfinance.gov/learnmore.

NOTICE TO FURNISHERS OF INFORMATION:
OBLIGATIONS OF FURNISHERS UNDER THE FCRA
 
The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. Sections 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. section 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
 
Section 623 imposes the following duties upon furnishers:
 
Accuracy Guidelines
 
The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623(e).
 
General Prohibition on Reporting Inaccurate Information
 
The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C).
 
Duty to Correct and Update Information
 
If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623(a)(2).
 
Duties After Notice of Dispute From Consumer
 
If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B).
 
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623(a)(3).
 
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days (or 45 days, if the consumer later provides relevant additional information) unless the dispute is frivolous or irrelevant or comes from a "credit repair organization." Section 623(a)(8). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623(a)(8).
 
Duties After Notice of Dispute From Consumer Reporting Agency
 
If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must:
 
  • Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623(b)(1)(A) and (b)(1)(B).
  • Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623(b)(1)(C) and (b)(1)(D).
  • Complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer later provides relevant additional information to the CRA). Section 623(b)(2).
  • Promptly modify or delete the information, or block its reporting. Section 623(b)(1)(E).
Duty to Report Voluntary Closing of Credit Accounts
 
If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623(a)(4).
 
Duty to Report Dates of Delinquencies
 
If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer's file. Section 623(a)(5).
 
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623(a)(5) (until there is a consumer dispute) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date cannot be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623(a)(5).
 
Duties of Financial Institutions When Reporting Negative Information
 
Financial institutions that furnish information to "nationwide" consumer reporting agencies, as defined in Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
 
Duties When Furnishing Medical Information
 
A furnisher whose primary business is providing medical services, products, or devices (and such furnisher's agents or assignees) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623(a)(9). This notice will enable CRAs to comply with their duties under Section 604(g) when reporting medical information.
 
Duties When ID Theft Occurs
 
All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623(a)(6). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623(a)(2). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615(f).
 
The CFPB's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for businesses and the full text of the FCRA.
 
Citations for FCRA sections in the U.S. Code, 15 U.S.C. section 1681 et seq.:
 
Section 602        15 U.S.C. 1681          
Section 603        15 U.S.C. 1681a            
Section 604        15 U.S.C. 1681b        
Section 605        15 U.S.C. 1681c              
Section 605A      15 U.S.C. 1681c-A        
Section 605B      15 U.S.C. 1681c-B
Section 606        15 U.S.C. 1681d  
Section 607        15 U.S.C. 1681e
Section 608        15 U.S.C. 1681f           
Section 609        15 U.S.C. 1681g            
Section 610        15 U.S.C. 1681h       
Section 611        15 U.S.C. 1681i 
Section 612        15 U.S.C. 1681j
Section 613        15 U.S.C. 1681k
Section 614        15 U.S.C. 1681l
Section 615        15 U.S.C. 1681m
Section 616        15 U.S.C. 1681n
Section 617        15 U.S.C. 1681o
Section 618        15 U.S.C. 1681p
Section 619        15 U.S.C. 1681q
Section 620        15 U.S.C. 1681r
Section 621        15 U.S.C. 1681s
Section 622        15 U.S.C. 1681s-1
Section 623        15 U.S.C. 1681s-2
Section 624        15 U.S.C. 1681t
Section 625        15 U.S.C. 1681u
Section 626        15 U.S.C. 1681v
Section 627        15 U.S.C. 1681w
Section 628        15 U.S.C. 1681x
Section 629        15 U.S.C. 1681y

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Clean up errors on your credit report right at the source -- the creditor reporting the wrong information

You’ve spotted an error on your credit report, asked a credit reporting agency to clear up the problem, and no action has been taken. What now? It may be time to contact the creditor directly.

Nolo’s Letter to Request Removal of Information by Creditor helps you enforce your rights under federal credit laws. Once you’ve completed the letter and asked a creditor to take steps to clean up inaccurate information on your credit report, the creditor must:

  • provide credit reporting agencies with corrected information related to your account, once that correct information is verified
  • notify credit reporting agencies when you dispute information related to your account
  • resolve their inquiry into your dispute within 30 or 45 days

Light a fire under your creditors with a simple request, and get your credit report accurate and up to date.

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