FCRA Rules on Removing Negative Information from Credit Report
One smart move that you can make in restoring your credit is to show that you are well aware of your rights. Cite key FCRA provisions in your dispute letter and your creditors are more likely to grant your request. This way, you can quickly remove inaccurate negative information from your credit report.
Date
Credit Card Company’s Authorized Representative Name
Credit Card Company, Address, City, State, Zip
Re: Acct #XXX-XXX-XXXXXXX
Dear Credit Card Company,
I recently obtained my credit report from (credit bureau) and (credit bureau) and was surprised to find that you reported me 30 days late on this account in:
(list the dates).
(I immediately disputed this information with (credit bureau) and (credit bureau) and the results of the investigation came back “verified”. Not only was I never late on this account, but also according to the Fair Credit Reporting Act (FCRA), as the information furnisher, you are required to notify me when reporting negative information.
Since I have disputed the lates with the credit bureaus, and you obviously “verified” them, I would like to know what kinds of “records” you might have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my formal written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per, you are required to remove this negative information.
Sincerely,
Your Signature,
Your Name,
Your Address, City, State, Zip
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