Free Legal Letters – How to Dispute a Debt

This section is for California residents who wish to educate themselves and borrow ideas from our Free Legal Letters page. Letters sometimes stop harassment, but rarely compensate for the harm done by collectors.

The Free Sample Legal Letters will show you example of letter formats that you can borrow from.

The information on this website by the Consumer Law Office of Robert Stempler, APLC is for general information purposes only. Nothing in this section or associated pages, documents, should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.

 

 Letters to Credit Reporting Agencies

3.1 CRA Post Bankruptcy Discharge

Your Name [s] Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested

TRANS UNION, LLC
1561 E. Orangethorpe Ave.
Fullerton, CA 92831-5210

EXPERIAN INFORMATION SOLUTIONS, INC.
475 Anton Blvd.
Costa Mesa, CA 92626-7037

EQUIFAX INFORMATION SERVICES, LLC
1550 Peachtree St NW
Atlanta, GA 30309-2468

INNOVIS DATA SOLUTIONS, INC.
P.O. Box 1640

Pittsburgh, PA 15230

 

Re: SSN:
Date of Birth:
Company furnishing disputed account information:
Creditor’s name, A/C No.
Debt Collector Agency’s Name, A/C No.
REINVESTIGATION REQUEST AND ACCOUNT DISPUTE

To the Management of each Credit Reporting Agency:

Enclosed is a copy of Schedule F of my bankruptcy petition, listing all of the debts and accounts that were discharged in bankruptcy, and a copy of the Bankruptcy Court’s discharge order.

Please update your file about me to show that all of these debts and accounts were discharged in bankruptcy and now have a zero balance. I dispute each account balance and ask you to reinvestigate the tradeline of any creditor listed on Schedule F that does not have a zero balance as included in the bankruptcy. If you cannot be properly reinvestigate a tradeline, then please delete it.

Please reinvestigate each account reported with a balance due on my credit report by directly contacting the Bankruptcy Court shown in the enclosed documents. If you also communicate with the company that reported the account, please forward this letter and all relevant enclosures to that company, or let me know that you have not forwarded the relevant documents, so I may do it. Please do not merely contact the company electronically without providing them a copy of this letter and all relevant enclosures.

Please note that I [we] need this account corrected to________________________ [give examples of how the false balances may harm you in the future, such as you need to apply for a loan towards a motor vehicle, refinance your residence, acquire a new home, apply to rent a home, apply for a credit card to reestablish your credit, apply for a job or credit.]

If any company furnishing an account balance due informs you that the account is reported accurately, despite being discharged in bankruptcy, and you decide to continue reporting the disputed balance, please send me any documents that prove it was not discharged in bankruptcy and describe the procedure you used to determine how it was accurate (including name, address, and telephone of the furnishers contacted). If you did not contact the Bankruptcy Court directly, then please provide me with the name, address, and telephone number of any company and persons who reviewed the Bankruptcy Court’s records on your behalf.

Please also provide me with a corrected credit report containing all items in your file about me [us], once you have completed your reinvestigation of all the disputed accounts.

Sincerely,

YOUR NAME [S]

On this day of ___________ [month and year], before me, personally known to me or provided to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that the person executed the instrument in her/his authorized capacity and that by her/his signature on the instrument the person who executed the instrument.  WITNESS my hand and official seal.

NOTARY PUBLIC

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3.2 CRA Reinvestigation Inaccurate Account

Your Name [s] Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested

TRANS UNION, LLC
555 W. Adams St.
Chicago, IL 60661

EXPERIAN INFORMATION SOLUTIONS, INC.
475 Anton Blvd.
Costa Mesa, CA 92626-7037

EQUIFAX INFORMATION SERVICES, LLC
1550 Peachtree St NW
Atlanta, GA 30309-2468

INNOVIS DATA SOLUTIONS, INC.
P.O. Box 1640

Pittsburgh, PA 15230

 

Re: SSN:
Date of Birth:
Company furnishing disputed account information:
Creditor’s name, A/C No.
Debt Collector Agency’s Name, A/C No.
REINVESTIGATION REQUEST AND ACCOUNT DISPUTE

To the Management of each Credit Reporting Agency:

The above-reported account is inaccurate, because the credit report shows _________________________ when it actually is _________________________ [explain how the account is reported now and why it is inaccurate, incomplete, obsolete, or false, such as paid, contract canceled or recinded on ______ date, amount is incorrect, failure to credit payments, etc., such as the report shows “30 days late in Nov. 2006, but enclosed are copies of my canceled checks showing that the payments were timely made in October, November, and December 2006, and never late or unpaid.”]

Enclosed is copy of documents showing that the account is reported inaccurately ______________________ [describe the records enclosed, such as a page from the inaccurate credit report, your letters to/from the creditor or debt collector, the purchase contract, repair invoices, warranty, notice of cancellation, advertisements, lien or judgment release, proof of timely payments, etc]. [You should also explain how the documents support your position, such as “The enclosed credit card statements show that all payments were made on time and the account closed with a zero balance on such and such date.”]

Please reinvestigate this account by contacting me [or us, and/or the company listed on the enclosed documentation] and also forwarding this letter and all relevant enclosures to the company reporting it, or let me know that you have not forwarded the documents, so I may do it. Please do not merely contact the company electronically, without providing them a copy of this letter and all relevant enclosures.

Please note that I [we] need this account corrected to________________________ [give examples of how the false information may harm you in the future, such as you need to apply for a loan towards a motor vehicle, refinance your residence, acquire a new home, apply to rent a home, apply for a credit card to reestablish your credit, apply for a job or insurance.][If applicable: Also, please delete from my credit file the prior address of ______________, as I no longer want any mail going there.  Further, I have never used the Social Security Number of ______________, so it should be removed from my credit file to avoid confusion with another consumer.]

If the company furnishing this account information informs you that it is reported accurately, despite the enclosed written documentation, and you decide to continue reporting the disputed information, please send me [us] any documents that prove it is accurately reported and describe the procedure you used to determine how it was accurate (including name, address, and telephone of the furnishers contacted).

Please also provide me with a corrected credit report containing all items in your file about me [us], once you have completed your reinvestigation of the disputed account.

Sincerely,

YOUR NAME

On this_____day of ___________ [month and year], before me, personally known to me or provided to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that the person executed the instrument in her/his authorized capacity and that by her/his signature on the instrument the person who executed the instrument.  WITNESS my hand and official seal.

NOTARY PUBLIC

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3.3 CRA Reinvestigation Obsolete Account

Your Name [s] Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested

TRANS UNION, LLC
555 W. Adams St.
Chicago, IL 60661

EXPERIAN INFORMATION SOLUTIONS, INC.
475 Anton Blvd.
Costa Mesa, CA 92626-7037

EQUIFAX INFORMATION SERVICES, LLC
1550 Peachtree St NW
Atlanta, GA 30309-2468

INNOVIS DATA SOLUTIONS, INC.
P.O. Box 1640

Pittsburgh, PA 15230

 

Re: SSN:
Date of Birth:
Company furnishing disputed account information:
Creditor’s name, A/C No.
Debt Collector Agency’s Name, A/C No.
REINVESTIGATION REQUEST AND ACCOUNT DISPUTE

To the Management of each Credit Reporting Agency:

The above-reported account is inaccurate, because the credit report shows the date of last activity as _______________ [month/year] when, in fact, this account went into default ________________ [month/year when regular minimum payments stopped being sent]. Since it was in default more than 7.5 years ago, it is now obsolete and should be removed from the credit report.

Enclosed is copy of documents showing that the item is obsolete __________________ [describe the records enclosed, such as a page from the inaccurate credit report, your letters to/from the creditor or debt collector, earliest statements showing missed minimum payments, notices stating that the creditor has terminated account privileges or charged-off the account]

Please reinvestigate this account by contacting me [or us, and/or the company listed on the enclosed documentation] and also forwarding this letter and all relevant enclosures to the company reporting it, or let me know that you have not forwarded the documents, so I may do it. Please do not merely contact the company electronically, without providing them a copy of this letter and all relevant enclosures.

Please note that I [we] need this account corrected to apply for ________________ [give examples of how the false information may harm you in the future, such as you need to apply for a loan towards a motor vehicle, refinance your residence, acquire a new home, apply to rent a home, apply for a credit card to reestablish your credit, apply for a job or insurance.][If applicable: Also, please delete from my credit file the prior address of ______________, as I no longer want any mail going there. Further, I have never used the Social Security Number of ______________, so it should be removed from my credit file to avoid confusion with another consumer.]

If the company furnishing this account information informs you that it is reported accurately, despite the enclosed written documentation, and you decide to continue reporting the disputed information, please send me [us] any documents that prove it is accurately reported and describe the procedure you used to determine how it was accurate (including name, address, and telephone of the furnishers contacted).

Please also provide me with a corrected credit report containing all items in your file about me [us], once you have completed your reinvestigation of the disputed account.

Sincerely,

YOUR NAME

On this____day of ___________ [month and year], before me, personally known to me or provided to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that the person executed the instrument in her/his authorized capacity and that by her/his signature on the instrument the person who executed the instrument.  WITNESS my hand and official seal.

NOTARY PUBLIC

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