LETTER TO CREDIT BUREAU FRAUDULENT ENTRY
Letter To CRA Fraudulent Entries
- 123 Your Street Address
- Your City, ST 01234
- The Credit Bureau
- Fraud Department
- Bureau Address
- Anytown, State 56789
- Dear Credit Bureau,
- This letter is a formal complaint that you are reporting inaccurate credit information.
- The following paragraph may be excluded if it does not apply
- I believe I am the victim of identity theft or identity fraud.
- I am very upset that you have included the below information in my credit report due to its damaging effects on my credit standing.
- As you are no doubt aware, credit reporting laws require bureaus to report only accurate credit information.
- The inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part.
- Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a (insert credit type for which you were denied here) , which was highly embarrassing, and has negatively impacted my life.
- The following information therefore needs to be deleted from the report as soon as possible:
- CREDITOR AGENCY, acct. 123-34567-ABC
- (LIST IN THE ORDER THEY APPEAR)
- I have no knowledge of these fraudulent entries on my credit report.
- I have no accounts with the account numbers reported.
- I opened no accounts on the dates referenced.
- I have had no communication in any way, EVER, from the reporting agencies.
- Please delete the above information as quickly as possible and confirm these deletions within 30 days.
- If these fraudulent accounts are not permanently deleted,and/or if you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations,the FDCPA for violations of FACTA and the FCRA , I will also file a complaint with other appropriate State and Federal authorities.
- Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others,
the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices.( Section 1031 of the Dodd-Frank Act )
- your signature
- Your Name