This letter should be sent to the credit bureaus should they come back with a "verified" response to you when you dispute a damaging re-mark. It is your right to know under the FCRA the procedural method for requesting credit bureau verification. This letter is truly the ultimate secret weapon to use only after sending the credit bureau the initial dispute letter ( requesting the removal of inaccurate information )
City, State Zip
City, State Zip
Certified Mail # xxxx-xxxx-xxxxx
To Whom It May Concern:
This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection (iii)
§ 611. Procedure in case of disputed accuracy [15 USC § 1681i]
(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)
(i) a statement that the re-investigation is completed;
(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the re-investigation;
(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;
I am displeased that you have failed to maintain reasonable procedures to assure complete accuracy in the information you put out and insist you comply with the law by providing the requested information within the 15 days allowed.
I am re-submitting my request to correct my credit report as a matter of convenience to you and to expedite my request
Name of Creditor / Agency, Account #_________
As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.