U.S.

Code Chapter 94 - PRIVACY

Current through Pub. L. 113-86, except 113-79. (See Public Law !or the current Congre ."

U.S. Code8 )itle 19 8 Chapter 9:

15

US Code Notes Updates

P#$% & '$()

S*+C,-P)$# ./0.SCL1S*#$ 12 '1'P*+L.C P$#S1'-L .'21#3-).1' (44 685166859" S*+C,-P)$# ../2#-*0*L$') -CC$SS )1 2.'-'C.-L .'21#3-).1' (44 687166877"

SAMPLE LETTER TO THE CREDIT BUREAU(S): September 1, 2010 Equifax Information Services P.O. Box 740241 t!anta, " #0#74$0241 %eference& %equest to %emove Inaccurate Information on 're(it %eport )o *+om It ,a- 'oncern& I recent!- receive( m- cre(it report an( !ocate( t+e fo!!o.in/ incorrect information. cop- of t+e report is attac+e( .it+ t+e inaccurate items +i/+!i/+te(. 0n(er t+e provisions of 11 0.S.'.2 1341I of t+e 5air 're(it %eportin/ ct, I request t+at t+ese items be (e!ete( from m- recor(. P!ease sen( me names, a((resses an( te!ep+one numbers of t+e businesses -ou contacte( (urin/ -our

investi/ation. I un(erstan( t+at -ou are require( to comp!ete -our investi/ation of t+ese entries .it+in #0 (a-s of t+e receipt of t+is request. I furt+er un(erstan( t+at fai!ure to re$verif- t+ese items .it+in #0 (a-s constitutes reason to prompt!(rop t+e information from m- fi!e accor(in/ to Section 1341 6a7. !so pursuant to 11 0.S.'. 2 1341i 6(7 of t+e 5air 're(it %eportin/ ct, p!ease notif- me .+en items +ave been (e!ete(. 8ou ma- sen( an up(ate( cop- of mcre(it report to me at t+e be!o. a((ress in accor(ance .it+ t+e provisions of 11 0.S.'. 2 13419.
.)$3; -ccount = nu<ber xxxxxxxxx -ccount = nu<ber xxxxxxxxx -ccount = nu<ber xxxxxxxxx -ccount = nu<ber xxxxxxxx -ccount = nu<ber xxxxxxxxx #$-S1' (exa<ple "; 'ot <> account 'ot correct. Pai? in !ull. 'ot accurate .ncorrect balance -ccount houl? be hown @clo e?A at cu to<erB reCue t. 'ot correct. 0i charge? in banDruptc>. -ccount pai? be!ore it went to collection. 'eEer pai? late.

-ccount = nu<ber xxxxxxxxx -ccount = nu<ber xxxxxxxxx -ccount = nu<ber xxxxxxxx

Sincere!-, 68our 50:: ;ame7 ((ress Socia! Securit- ;umber <ate of Birt+ Enc!ose(& 'op- of 0ti!it- Bi!! an( cop- of Socia! Securit- 'ar( 6if -ou +ave it7

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 0ear Cre?it +ureau, Plea e en? <e a cop> o! <> cre?it report. Four Four Four Four Four !ull na<e birth-?ate Social Securit> nu<ber current a??re !or<er a??re

$nclo e?, al o plea e !in? a photocop> o! <> ?riEing licen e, howing <> current a??re , an? a photocop> o! <> Social Securit> car?. Plea e en? the cre?it report a Sincerel>, Four Signature Four 'a<e oon a >ou can. )hanD >ou.

0i pute Letter
Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e

59H56H1995 0ear Cre?it +ureau, )hi letter i a !or<al co<plaint that >ou are reporting inaccurate an? inco<plete cre?it in!or<ation. . a< ?i tre e? that >ou haEe inclu?e? the below in!or<ation in <> cre?it pro!ile an? haEe !aile? to <aintain rea onable proce?ure in >our operation to a ure <axi<u< po ible accurac> in the cre?it report >ou publi h. Cre?it reporting law en ure that bureau report onl> 155I accurate cre?it in!or<ation. $Eer> tep <u t be taDen to a ure the in!or<ation reporte? i co<pletel> accurate an? correct. )he !ollowing in!or<ation there!ore nee? to be re-inEe tigate?. . re pect!ull> reCue t to be proEi?e? proo! o! thi allege? ite<, peci!icall> the contract, note or other in tru<ent bearing <> ignature. 2ailing that, the ite< <u t be ?elete? !ro< the report a oon a po ible;
C#$0.)1# -J$'CF, account xxx-xxxx-xxx

)he li te? ite< i co<pletel> inaccurate an? inco<plete, an? i a Eer> eriou error in reporting. Plea e ?elete thi <i lea?ing in!or<ation, an? uppl> a correcte? cre?it pro!ile to all cre?itor who haEe receiEe? a cop> within the la t 6 <onth , or the la t 7 >ear !or e<plo><ent purpo e . -??itionall>, plea e proEi?e the na<e, a??re cre?it grantor or other ub criber. , an? telephone nu<ber o! each

*n?er !e?eral law, >ou haEe 35 ?a> to co<plete >our re-inEe tigation. +e a?Ei e? that the ?e cription o! the proce?ure u e? to ?eter<ine the accurac> an? co<pletene o! the in!or<ation i hereb> reCue te? a well, to be proEi?e? within 19 ?a> o! the co<pletion o! >our re-inEe tigation. Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

0i pute Letter 2or *nauthoriLe? .nCuirie

Four 'a<e

Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 0ear Cre?it +ureau, )hi letter i a !or<al co<plaint that >ou are reporting inaccurate an? inco<plete cre?it in!or<ation. . a< ?i tre e? that >ou haEe inclu?e? the below in!or<ation in <> cre?it pro!ile an? haEe !aile? to <aintain rea onable proce?ure in >our operation to a ure <axi<u< po ible accurac> in the cre?it report >ou publi h. Cre?it reporting law en ure that bureau report onl> 155I accurate cre?it in!or<ation. $Eer> tep <u t be taDen to a ure the in!or<ation reporte? i co<pletel> accurate an? correct. )he !ollowing in!or<ation there!ore nee? to be re-inEe tigate?. . re pect!ull> reCue t to be proEi?e? proo! that the e inCuirie were in !act authoriLe? with an in tru<ent bearing <> ignature, an? !or legiti<ate bu ine purpo e . 2ailing that, the unauthoriLe? inCuir> <u t be ?elete? !ro< the report a oon a po ible;
C#$0.)1# -J$'CF, account xxx-xxxx-xxx

)he li te? inCuir> wa without authoriLation, an? !or no legiti<ate bu ine purpo e . - uch, it i a Eer> eriou error in reporting. Plea e ?elete thi <i lea?ing in!or<ation, an? uppl> a correcte? cre?it pro!ile to all cre?itor who haEe receiEe? a cop> within the la t 6 <onth , or the la t 7 >ear !or e<plo><ent purpo e . -??itionall>, plea e proEi?e the na<e, a??re cre?it grantor or other ub criber. , an? telephone nu<ber o! each

*n?er !e?eral law, >ou haEe 35 ?a> to co<plete >our re-inEe tigation. +e a?Ei e? that the ?e cription o! the proce?ure u e? to ?eter<ine the accurac> an? co<pletene o! the in!or<ation i hereb> reCue te? a well, to be proEi?e?

within 19 ?a> o! the co<pletion o! >our re-inEe tigation. Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

2ollow-up to Four 0i pute Letter

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; 0i pute Letter o! :H56H1995 0ear Cre?it +ureau, )hi letter i !or<al notice that >ou haEe !aile? to re pon? in a ti<el> <anner to <> ?i pute letter o! :H56H1995, ?epo ite? b> regi tere? <ail with the Po t 1!!ice on that ?ate. - >ou are well aware, !e?eral law reCuire >ou to re pon? within 35 ?a> , >et >ou haEe !aile? to re pon?. 2ailure to co<pl> with the e !e?eral regulation b> cre?it reporting agencie are inEe tigate? b> the 2e?eral )ra?e Co<<i ion ( ee 19 *SC :1, et eC.". . a< <aintaining a care!ul recor? o! <> co<<unication with >ou on thi <atter, !or the purpo e o! !iling a co<plaint with the 2)C houl? >ou continue in >our non-co<pliance. . !urther re<in? >ou that, a in Menger E. )ran *nion Corp., 'o. 99-6::9 (C.0.Cal. 'oE. 1:, 1999", >ou <a> be liable !or >our will!ul non-co<pliance. +e aware that . a< <aDing a !inal goo?will atte<pt to haEe >ou clear up thi <atter. Fou haEe 19 ?a> to cure. 2or >our bene!it, an? a a ge ture o! <> goo?will, . will re tate <> ?i pute. )he !ollowing in!or<ation nee? to be Eeri!ie? an? ?elete? !ro< the report a oon a

po

ible;
C#$0.)1# -J$'CF, account xxx-xxxx-xxx

)he li te? ite< i co<pletel> inaccurate an? inco<plete, an? i a Eer> eriou error in reporting. Plea e ?elete thi <i lea?ing in!or<ation, an? uppl> a correcte? cre?it pro!ile to all cre?itor who haEe receiEe? a cop> within the la t 6 <onth , or the la t 7 >ear !or e<plo><ent purpo e . -??itionall>, plea e proEi?e the na<e, a??re cre?it grantor or other ub criber. , an? telephone nu<ber o! each

*n?er !e?eral law, >ou ha? 35 ?a> to co<plete >our re-inEe tigation, >et >ou haEe !aile? to re pon?. 0o not ?ela> !urther. +e a?Ei e? that the ?e cription o! the proce?ure u e? to ?eter<ine the accurac> an? co<pletene o! the in!or<ation i hereb> reCue te? a well, to be proEi?e? within 19 ?a> o! the co<pletion o! >our re-inEe tigation. Sincerel>, Four Signature Four 'a<e SS'K xxx-xxx-xxxx

'otice o! .ntent to 2ile Co<plaint

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; 0i pute Letter o! :H56H1995, 2ollow-up Letter o! 9H56H1995 '1).C$ 12 .')$') )1 2.L$ C13PL-.')

Cre?it +ureau, )hi letter hall erEe a !or<al 'otice o! <> .ntent to !ile a Co<plaint with the 2)C, ?ue to >our blatant ?i regar? o! the law. - in?icate? b> the attache? copie o! letter an? <ailing receipt , >ou haEe been ?eliEere? b> regi tere? <ail both a ?i pute letter, ?ate? :H56H1995, a well a a !ollow-up letter, ?ate? 9H56H1995. - o! thi <o<ent, >ou haEe not ?one >our ?ut> <an?ate? un?er the law. Four inaction in thi <atter i inexcu able, an? >our ?i regar? !or the law i conte<ptible. #e t a ure?, . will hol? >ou to account. - >ou are well aware, !e?eral law reCuire >ou to re pon? within 35 ?a> , >et >ou haEe !aile? to re pon?. 2ailure to co<pl> with the e !e?eral regulation b> cre?it reporting agencie are inEe tigate? b> the 2e?eral )ra?e Co<<i ion ( ee 19 *SC :1, et eC.". . a< <aintaining a care!ul recor? o! <> co<<unication with >ou on thi <atter, !or the purpo e o! !iling a co<plaint with the 2)C houl? >ou continue in >our non-co<pliance. . !urther re<in? >ou that, a in Menger E. )ran *nion Corp., 'o. 99-6::9 (C.0.Cal. 'oE. 1:, 1999", >ou <a> be liable !or >our will!ul non-co<pliance. 2or the recor?, the !ollowing in!or<ation i being erroneou l> inclu?e? on <> cre?it report, a . haEe a?Ei e? >ou on two eparate occa ion , <ore than 79 ?a> an? again :5 ?a> ago;
C#$0.)1# -J$'CF, account xxx-xxxx-xxx

.! >ou ?o not i<<e?iatel> re<oEe thi inaccurate an? inco<plete in!or<ation, . will !ile a !or<al co<plaint with the 2)C. 2urther<ore, . inten? to eeD re?re in ciEil action, !or recoEer o! both ?a<age , co t , an? attorne> !ee , houl? >ou continue in >our ?eliberate ob truction o! the law. 2or thi purpo e, . a< care!ull> ?ocu<enting the e eEent , inclu?ing the lacD o! re pon e #$N*.#$0 un?er law !ro< >ou. Fou are !urther ?irecte? to uppl> a correcte? cre?it pro!ile to all cre?itor who haEe receiEe? a cop> within the la t 6 <onth , or the la t 7 >ear !or e<plo><ent purpo e . -??itionall>, plea e proEi?e the na<e, a??re cre?it grantor or other ub criber. , an? telephone nu<ber o! each

*n?er !e?eral law, >ou ha? 35 ?a> to co<plete >our re-inEe tigation, >et >ou haEe !aile? to re pon?. Four continue? ?ela> are inexcu able. +e a?Ei e? that the ?e cription o! the proce?ure u e? to ?eter<ine the accurac>

an? co<pletene o! the in!or<ation i hereb> reCue te? a well, to be proEi?e? within 19 ?a> o! the co<pletion o! >our re-inEe tigation. Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

0i pute Letter to Cre?it Collector

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 0ear Collector, . a< writing in re pon e to >our letter ?ate? -pril 56, 1995 Ocop> enclo e?P. )hi i the !ir t letter .QEe receiEe? !ro< >ou on thi <atter. . ?o not belieEe that . owe what >ou a> . owe, an? . reCue t that >ou plea e ?o the !ollowing; 1. tell <e what thi <one> that >ou a> . owe i !or 7. how <e how >ou calculate? what >ou a> . owe 3. giEe <e copie o! an> paper that how . agree? to pa> what >ou a> . owe :. how <e that >ou are licen e? in <> tate, an? giEe <e >our licen e nu<ber 9. top contacting <e about thi or an> other <atter >ou haEe, except to proEi?e <e with proo! that . owe what >ou a> . owe . ?e<an? that >ou al o en? a cop> o! thi ?i pute to the co<pan> that >ou a> . owe <one> to, o that the> ?o not report thi on <> cre?it report. . !urther ?e<an? that i! >ou haEe reporte? <e to a cre?it reporting co<pan>, >ou tell the< that . ?o not agree with thi ?ebt.

Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

#eCue t !or Proce?ure 0e cription

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 0ear Cre?it +ureau, )hi letter i a !or<al reCue t !or the ?e cription o! the proce?ure u e? to ?eter<ine the accurac> an? co<pletene o! the ?i pute? in!or<ation, inclu?ing the bu ine na<e, a??re , an? telephone nu<ber o! an> !urni her o! in!or<ation contacte? in connection with thi re-inEe tigation. . a< ?i appointe? that >ou haEe !aile? to <aintain rea onable proce?ure to a ure co<plete accurac> in the in!or<ation >ou publi h, an? in i t >ou co<pl> with the law b> proEi?ing the reCue te? in!or<ation within the 19 ?a> allowe?. 2or >our bene!it, an? a a ge ture o! <> goo?will, . will re tate the releEant ?i pute;
C#$0.)1# -J$'CF, account xxx-xxx-xxx

- alrea?> tate?, the li te? ite< i inaccurate an? inco<plete, an? i a Eer> eriou error in reporting. Plea e uppl> a correcte? cre?it pro!ile to all cre?itor who haEe receiEe? a cop> within the la t 6 <onth , or the la t 7 >ear !or e<plo><ent purpo e . -??itionall>, plea e proEi?e the na<e, a??re cre?it grantor or other ub criber. , an? telephone nu<ber o! each

Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

*nauthoriLe? Cre?it .nCuir>

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #e; *nauthoriLe? Cre?it .nCuir> 0ear Cre?it +ureau, . recentl> receiEe? a cop> o! <> $xperian cre?it report. )he cre?it report howe? a cre?it inCuir> b> >our co<pan> that . ?o not recall authoriLing. . un?er tan? that >ou houl?nQt be allowe? to put an inCuir> on <> !ile unle . haEe authoriLe? it. Plea e haEe thi inCuir> re<oEe? !ro< <> cre?it !ile becau e it i <aDing it Eer> ?i!!icult !or <e to acCuire cre?it. . haEe ent thi letter certi!ie? <ail becau e . nee? >our pro<pt re pon e to thi i ue. Plea e be o Din? a to !orwar? <e ?ocu<entation that >ou haEe ha? the unauthoriLe? inCuir> re<oEe?. .! >ou !in? that . a< re<i , an? >ou ?i? haEe <> authoriLation to inCuire into <> cre?it report, then plea e en? <e proo! o! thi . Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

-gree<ent to Co<pro<i e 0ebt

Four 'a<e

Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 Cre?itor, re!erre? to a C#$0.)1# an? Rane 0oe, re!erre? to a 0$+)1#, agree to co<pro<i e the in?ebte?ne a between the<. C#$0.)1#, hereb> agree to co<pro<i e the in?ebte?ne ?ue the C#$0.)1# on the !ollowing ter< an? con?ition ; )he C#$0.)1# an? the 0$+)1# agree that the pre ent ?ebt ?ue i S1:36.18 (one thou an? !our hun?re? thirt> ix = 18H155 ?ollar ". )he partie agree that the C#$0.)1# hall accept the u< o! S1555.55 (one thou an? = noH155 ?ollar " a !ull pa><ent on the ?ebt. )he acceptance o! the pa><ent will erEe a a co<plete ?i charge o! all <onie ?ue. )he pa><ent hall be <a?e in ca h. .n a??ition, upon accepting o! the S1555, the C#$0.)1# will noti!> all Cre?it #eporting -gencie that account i P-.0 -S -J#$$0, an? ?elete an> entrie howing thi account a eEer being late. )hi co<pro<i e i expre l> con?itione? upon the pa><ent being receiEe? b> Rune 19, 1995. .! the 0$+)1# !ail to pa> the co<pro<i e? a<ount b> Rune 19, 1995, the original a<ount owe? b> the 0$+)1# will be rein tate? in !ull, an? i<<e?iatel> ?ue. )hi -gree<ent hall be bin?ing upon an? inure to the bene!it o! the partie , their ucce or an? a ign . 0ate?; TTTTTTTTTTTTTTT Signature; TTTTTTTTTTTT Cre?itor C#$0.)1# Signature; TTTTTTTTTTTT Sincerel>, Four Signature

Four 'a<e SS'K xxx-xx-xxxx

Letter #eCue ting a Collection -genc> to Cea e an? 0e i t

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; -ccount xxx-xxxx-xxx 0ear Sir or 3a?a<; . reCue t that >ou C$-S$ an? 0$S.S) in >our e!!ort to collect on the aboEe re!erence? account (S$$ letter attache?". .t i <> per onal polic> not to ?eal with collection agencie an? . will onl> ?eal with the original cre?itor o! thi account. Fou are hereb> in tructe? to cea e collection e!!ort i<<e?iatel> or !ace legal anction un?er applicable 2e?eral an? State law. J.%$ ),.S L$))$# ),$ .33$0.-)$ -))$').1' .) 0$S$#%$S. Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

#eCue t to a Collection -genc> to %ali?ate 0ebt

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; -ccount xxx-xxxx-xxx 0ear Sir or 3a?a<; . haEe been the Eicti< o! i?entit> !rau?, an? . belieEe thi ?ebt i one o! the ?ebt which re ulte? !ro< <> i?entit> the!t an? wa !al el> taDen out in <> na<e. )hi letter i being ent to >ou in re pon e to >our attache? letter. )hi i not a re!u al to pa>, but a notice that >our clai< i ?i pute?. *n?er the 2air 0ebt Collection Practice -ct (20CP-", . haEe the right to reCue t Eali?ation o! the ?ebt >ou a> . owe >ou. . a< reCue ting proo! that . a< in?ee? the part> >ou are a Ding to pa> thi ?ebt, an? there i o<e contractual obligation which i bin?ing on <e to pa> thi ?ebt. +elow are a !ew Cue tion to an wer which <a> help >ou to re olEe the e <i taDe . Fou houl? al o be aware that reporting uch inEali?ate? in!or<ation to <aUor cre?it bureau <ight con titute ?e!a<ation o! character, a the negatiEe <arD on <> cre?it report har< <> cre?it an? preEent <e !ro< enUo>ing all the bene!it o! goo? cre?it. .Q< ure >our legal ta!! will agree that non-co<pliance with thi reCue t coul? put >our co<pan> in eriou legal trouble with the 2)C an? other tate or !e?eral agencie . .n a??ition to the Cue tionnaire below, plea e attach copie o!; -gree<ent with >our client that grant >ou the authorit> to collect on thi allege? ?ebt -gree<ent that bear the ignature o! the allege? ?ebtor wherein he agree? to pa> the cre?itor. -n> in urance clai< been <a?e b> an> cre?itor regar?ing thi account -n> Uu?g<ent been obtaine? b> an> cre?itor regar?ing thi account Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

#eCue t a Collection -genc> to #e<oEe a 0ebt

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; -ccount xxx-xxxx-xxx .t ha co<e to <> attention through the cre?it bureau that >ou clai< . owe a ?ebt to >our agenc>. Mhile . haEe >et to haEe the ?ebt Eeri!ie? to <e a legiti<ate through <> right o! the <ini 3iran?a, . can howeEer aEe u both o<e e!!ort = ti<e b> VSettling the ?ebt outV. +elow i <> o!!er. .t i not a renewe? pro<i e to pa> nor ?oe it con titute an> agree<ent unle >ou ign an? return it. 'ote, . haEe not agree? >et that thi ?ebt i <ine an? haEe the option to eeD !urther proo! !ro< >our agenc> o! thi ?ebt. .t ha al o co<e to <> attention that >our agenc> regularl> purcha e ?ebt in the cour e o! ?oing bu ine . Su!!ice to a>, >ou hol? all the right to report the ?ebt to the cre?it bureau a >ou ee !it an? >ou can change that li ting at an> ti<e a the ource reporting the ?ebt. . a< ure >ou are aware o! <> right to ?i pute thi ?ebt an? reCue t !ull proo! o! the obligation. Pa>ing thi unEeri!ie? ?ebt to >ou <ean little to <e i! we cannot <utuall> agree that >ou will report the ?ebt a <entione? below. Mhile . realiLe that >our purpo e i to collect ?ebt a a collection agent, . a< al o aware o! what a pai? collection woul? repre ent !or <e, which i not !aEorable. )hat being ai?, . haEe concurre? through the bureau that >ou haEe the ab olute right to report thi ?ebt a >ou ee !it or not report it at all. Plea e ?o not Cuote to <e that >ou are unable to change the li ting or . will be !orce? to cea e an? ?e i t our co<<unication an? reCue t !ull length> Eeri!ication o! the ?ebt. 3> goal i to arrange a ter< acceptable to both u ince thi ?ebt i

Cue tionable. . will pa> >our co<pan> the a<ount o! Sxx a pa><ent in !ull !or the !ull ati !action o! thi account. *pon receipt o! the aboEe pa><ent, >our co<pan> ha agree? to change the entr> on <> cre?it report to VPai? -S -J#$$0V. Fou !urther agree to re<oEe all preEiou notation o! ?elinCuenc>. .! >ou concur with the e ter< plea e acDnowle?ge with >our ignature an? return it to <e. Fou agree the ter< herein are con!i?ential an? >ou haEe the authorit> to <aDe uch ?eci ion . 'o pa><ent will be <a?e without written con!ir<ation. *pon receipt o! thi igne? acDnowle?g<ent, . will i<<e?iatel> <ail >ou !un? priorit> <ail. )hi i not a renewe? pro<i e to pa> but rather a re tricte? o!!er onl>. .! no ter< can be <et, no new arrange<ent will be <a?e an? the o!!er will be Eoi?. 'a<e o! Cre?itor; Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

Collection -genc> 2ail to %ali?ate Four 0ebt - Sen? thi to the Cre?it +ureau
Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; -ccount xxx-xxxx-xxx . a< writing to ?i pute the account re!erence? aboEe. . haEe ?i pute? thi account in!or<ation a inaccurate with >ou, an? >ou haEe co<e bacD to <e an?

tate? >ou were able to Eeri!> thi ?ebt. ,ow i thi po ibleW *n?er the law o! the 20CP-, . haEe contacte? the collection agenc> <> el! an? haEe been unable to get the< to Eeri!> that thi i in?ee? <> ?ebt. . enclo e copie o! <> reCue t to the collection agenc>, a Ding the< to Eali?ate <> ?ebt , an? the receipt howing that . ent the e letter certi!ie? ignature reCue t. )hi ?ebt i not <ine an? . wa giEen no eEi?ence o! <> obligation to pa> thi ?ebt to thi collection agenc>. )he 2C#- reCuire >ou to Eeri!> the Eali?it> o! the ite< within 35 ?a> . .! the Eali?it> can not be Eeri!ie?, >ou are obligate? b> law to re<oEe the ite<. )here i a clear ca e o! unEeri!ie? ?ebt here, an? . urge >ou to re<oEe thi ite< be!ore . a< !orce? to taDe legal action. .n the eEent that >ou can not Eeri!> the ite< pur uant to the 2C#-, an? >ou continue to li t the ?i pute? ite< on <> cre?it report . will !in? it nece ar> to ue >ou !or actual ?a<age an? ?eclarator> relie! un?er the 2C#-. -ccor?ing to thi regulation, . <a> ue >ou in an> Cuali!ie? tate or !e?eral court, inclu?ing <all clai< court in <> area. Mhile . pre!er not to litigate, . will u e the court a nee?e? to en!orce <> right un?er the 2C#-. . looD !orwar? to an uneEent!ul re olution o! thi <atter. Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

'otice o! Law uit

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995

#$; -ccount xxx-xxxx-xxx $nclo e? i a cop> o! the law uit that . !ile? again t >ou in (<> count>" court on 3arch 18, 1995. Currentl> the Pretrial Con!erence i che?ule? !or 3a> 11th, 1995 at 15;35 -.3. in courtroo< K71. )he ca e nu<ber i (in ert ca e K". )he rea on the law uit wa !ile? wa ?ue to a co<pletel> ina?eCuate re pon e !ro< >our co<pan>. Mhen o<eone i the Eicti< o! i?entit> the!t, it i i<pl> a night<are tr>ing to get !al e in!or<ation re<oEe? !ro< a cre?it !ile. . haEe contacte? all o! the !al e cre?itor li te? on <> cre?it !ile. . haEe challenge? all o! the !al e li ting on <> cre?it !ile. 'othing eEer happen to !ix the ituation. 1Eer 95 ?a> ago . wrote each the cre?itor in Cue tion an? ?e<an?e? proo! that . a< their cu to<er. . a De? !or proo! o! the allege? ?ebt, inclu?ing peci!icall> the allege? contract or other in tru<ent bearing <> ignature. So !ar none o! the< ha been able to proEi?e uch proo! to <e. . haEe ent !ollow-up letter to each o! the< an? there i till no proo!. . haEe atte<pte? phone contact, but . i<pl> get tran !erre? aroun? an? nothing eEer get acco<pli he?. . haEe !ull> inEe tigate? <> right in thi <atter. *n?er the ?octrine o! e toppel b> ilence, $ngelhar?t E JraEen (3o" 781 SM 719, 719, . <a> pre u<e that no proo! o! the allege? ?ebt, nor there!ore an> uch ?ebt, in !act exi t . . haEe copie o! the certi!ie? letter an? ?ate prepare? to bring to court on -pril 15th. -l o, un?er the 2air Cre?it #eporting -ct, the e ?i pute? ite< <a> not appear on <> cre?it report i! the> cannot be upporte? b> an> eEi?ence. *n?er the 2air Cre?it #eporting -ct, i! the> cannot Eeri!> the ?ebt within 35 ?a> , then it <u t be re<oEe?. Four letter to <e clai< to haEe XEeri!ie?B the ?ebt, but thi i in !act not true un?er law. Si<pl> contacting the allege? cre?itor an? a Ding the< to <atch up nu<ber in their ?ataba e i no u!!icient Eeri!ication !or i?entit> the!t. 1! cour e the in!or<ation <atche up. So<eone clearl> u e? <> in!or<ation without <> authoriLation. 'ow . a< uing $Cui!ax !or being uch a pain in the po terior to <e. . haEe proEi?e? <ore than u!!icient eEi?ence to get the e !al e account re<oEe?. Fou <a> contact <e be!ore -pril 15th at (<> phone nu<ber" or at <> a??re li te? at the top o! thi letter. )hi <atter can be ettle? i<pl> b> >our agree<ent to re<oEe the !al e in!or<ation !ro< <> cre?it !ile. . reCuire a re pon e, on point, in writing, han? igne?, an? in a ti<el> <anner. .! . get another pointle letter !ro< >ou a>ing that it ha alrea?> be XEeri!ie?B then there will be no <ore opportunit> !or negotiation. )hi will procee? in court until . haEe ucce !ull> proEen to a Uu?ge that thi !al e in!or<ation <u t be re<oEe? !ro< <> cre?it !ile. . will al o be aggre iEel> pur uing the !ull Uu?g<ent that .

get again t $Cui!ax !or Eiolation o! the 2air Cre?it #eporting -ct an? 0e!a<ation. . haEe alrea?> won a i<ilar law uit again t )ran *nion. $nclo e? i a cop> o! that ettle<ent. . will agree to a i<ilar ettle<ent with $Cui!ax i! >ou contact <e be!ore -pril 15th. .! >ou accept the a<e tern a )ran *nion ?i?, then . will ?i <i <> law uit again t $Cui!ax an? >ou will not nee? to appear in (<> count> an? tate". )he ite< to be re<oEe? !ro< <> cre?it report are li te? a !ollow ; (li te? 6 account an? account nu<ber " . looD !orwar? to >our re pon e. Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

$xplaining Late 2ee

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; -ccount xxx-xxxx-xxx . a< writing thi letter to explain <> late pa><ent on <> <ortgage to (FG <ortgage co<pan> an? to -<erican .<pre e? in Ran 1995. . a< Eer> ?i tre e? that thi ha eEer happene? to <e, but . wa <laid off>, <seriously injured>, <going through a death in family> . )he circu< tance ?raine? <> care!ull> put a i?e aEing an? . wa !orce? to <i a pa><ent becau e o! it. 3> !inancial a?Ei or tol? <e not to tap into <> :51Y, an? . wa able to recoEer !ro< thi cri i an? begin <aDing on-ti<e pa><ent .

. haEe alwa> pri?e? <> el! in pa>ing on ti<e, an? . haEe taDen tep to put awa> <ore <one> in <> aEing account to guar? again t other un!ore een occurrence liDe thi . Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx
Statute o! Li<itation

Four 'a<e Four Street -??re Four Cit>, State G.P Co?e

Cre?it +ureau 'a<e )heir Street -??re )heir Cit>, State G.P Co?e 59H56H1995 #$; -ccount xxx-xxxx-xxx )hi letter i in re pon e to >our Oletter ?ate? xx-xx-755:P (cop> enclo e?" or Ophone call on xx-xx-1995P, concerning the collection o! the aboEe re!erence? Oaccount or ?ateP. . haEe checDe? with <> State -ttorne> Jeneral an? Eeri!ie? that the Statute o! Li<itation !or collecting thi ?ebt in (in ert >our tate or the tate in which the contract wa igne?" ha expire?. +e a?Ei e? that . a< well aware o! <> right to u e the Vexpire? tatute o! li<itation V a <> ?e!en e houl? >ou ?eci?e to pur ue thi <atter in court. Con i?er thi letter a o!!icial noti!ication that . con i?er thi <atter clo e?. -??itionall>, . ?e<an? that >ou, or an>one a!!iliate? with >our co<pan>, top contacting <e regar?ing thi or an> other <atter except to a?Ei e <e, Eia *.S. <ail onl> that >our ?ebt collection e!!ort are being ter<inate? or that >ou or the cre?itor are taDing peci!ic action allowe? un?er the b> 2air 0ebt Collection Practice -ct (20CP-" or <> tate law. +e a?Ei e? that an> contact other than allowe? b> law i con i?ere? hara <ent an? can re ult in >ou being per onall> !ine? up to S1,555 per inci?ent.

Sincerel>, Four Signature Four 'a<e SS'K xxx-xx-xxxx

Plea e 'ote; Sen? all ?ebt ettle<ent letter Eia Vreturn receipt reCue te?V an? Deep a cop> !or >our recor? an? en? one cop> to the original cre?itor.

There are a few ways to dispute bankruptcy listings that may work. First, remember that credit reporting agencies verify records through a third party database such as PACE or !E"#$ %E"#$ and some even verify through other creditors. Even though credit reporting agencies will list the bankruptcy court as the &furnisher' of information, no one at the credit reporting agency actually contacts the bankruptcy courthouse where the proceeding was filed. (elow are several strategy options to remove a bankruptcy from credit reports) *. #naccurate eporting !ook for incorrect reporting of facts and dispute the listing. #t may get deleted and no further work is necessary. A bankruptcy must be listed accurately in your credit reports. +. ,ethod of -erification #f the listing gets verified and remains you have the right to re.uest the credit reporting agencies/ method of verification. e.uest the credit reporting agencies send you the following) 0a1 The name of the courthouse2 0b1 the person/s name they verified the dispute with2 0c1 the address2 0d1 the telephone number2 and 0e1 the documentation used to verify the dispute. The C A/s must respond to your re.uest within *3 days and provide the information. 4ndoubtedly they will only respond with the name and address of the courthouse. (ut this is good. 5. Follow6up !etter to Credit eporting Agency %ow you can mail another letter to the credit reporting agency and let them know you contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not.

Can you imagine the time and legal ramifications if court clerks spent the time to personally verify and follow procedures of the Fair Credit eporting Act. The courts rarely, if ever, verify public records with credit reporting agencies according to the FC A. 7. 8et your Proof in 9riting #n order to create your paper trail you may wish to send a letter to the court administrator of the courthouse where the bankruptcy was filed. #n your letter re.uest what their procedure is for verifying records with the credit reporting agencies. 9hen sending court clerks any letters A!9A:$ #%C!4;E A $E!F6A;; E$$E; $TA,PE; E%-E!<PE if you want a response. ;epending on their response, you will have proof on paper that the actual courts do not verify information directly with the credit reporting agencies. %ow take that letter from the court and follow6up with another letter to the credit reporting agency with your proof the courts do not verify bankruptcy filings. 3. e.uest a ;eletion $hould the credit reporting agency respond by telling you they are not re.uired to give you that information, they have violated the FC A. #f the credit reporting agency does not respond within *3 days they have violated the FC A and the entry must be deleted. The FC A, $ection =>? a 0+1 regarding disclosures provides leverage to get the item deleted. :ou can re.uest to see what they used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. The credit reporting agency must disclose the source of the information. Also, FC A, $ection =**, paragraph 0=10(10iii1 regarding procedures and results of reinvestigation states &@if re.uested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available@' Credit reporting agencies are re.uired to conduct investigations of disputed items with the &furnisher' of information. The (ankruptcy Court should be the furnisher of information, not a third party source such as PACE or !E"#$ %E"#$.

<ebt =a!i(ation Samp!e :etter

Written by Repair Credit Now. Posted in Sample Letters

0ser %atin/&

>0

Poor

Best

%ate

Debt Validation Sample Lette

<ate )o& 6;ame ((ress& 6 ((ress ccount ? 12#413747 5rom& ((ress& 68our ((ress7 <e!iver- 'onfirmation ?& 0000 0000 0000 0000 <ear 'o!!ection /enc-, Pursuant to t+e 5'% @ t+e 5<'P I no. exercise m- !a.fu! ri/+t to question t+e va!i(it- of t+is (ebt -our a/enc- c!aims +as come (ue. 5air 're(it %eportin/ ct 2 30A <isc!osures to consumers& 6c7 627 6E7& consumer reportin/ a/enc- is not require( to remove accurate (ero/ator- information from a consumerBs fi!e, un!ess t+e information is out(ate( un(er section 301 or cannot be verifie(. 5air 're(it %eportin/ ct 2 3116a7 1 6 7 Proce(ure in case of (ispute( accurac-& 6a7 %einvesti/ations of <ispute( Information 617 %einvesti/ation %equire( 6 7 In /enera!. Sub9ect to subsection 6f7, if t+e comp!eteness or accurac- of an- item of information containe( in a consumerBs fi!e at a consumer reportin/ a/enc- is (ispute( b- t+e consumer an( t+e consumer notifies t+e a/enc- (irect!-, or in(irect!- t+rou/+ a rese!!er, of suc+ (ispute, t+e a/enc- s+a!!, free of c+ar/e, con(uct a reasonab!e reinvesti/ation to (etermine .+et+er t+e (ispute( information is inaccurate an( recor( t+e current status of t+e (ispute( information, or (e!ete t+e item from t+e fi!e in accor(ance .it+ para/rap+ 617, before t+e en( of t+e #0$(a- perio( be/innin/ on t+e (ate on .+ic+ t+e a/enc- receives t+e notice of t+e (ispute from t+e consumer or rese!!er. 5air <ebt 'o!!ection Practices ct 2 Section 40A. =a!i(ation of (ebts& 6b7 If t+e consumer notifies t+e (ebt co!!ector in .ritin/ .it+in t+e t+irt-$(a- perio( (escribe( in subsection 6a7 t+at t+e (ebt, or an- portion t+ereof, is (ispute(, or t+at t+e consumer requests t+e name an( a((ress of t+e ori/ina! cre(itor, t+e (ebt co!!ector s+a!! cease co!!ection of t+e (ebt, or an- (ispute( portion t+ereof, unti! t+e (ebt co!!ector obtains verification of t+e (ebt or an- cop- of a 9u(/ment, or t+e name an( a((ress of t+e ori/ina! cre(itor, an( a cop- of suc+ verification or 9u(/ment, or name an( a((ress of t+e ori/ina! of of t+e t+e 'o!!ections 'o!!ection /enc-7 /enc-7

68our

;ame7

cre(itor, is mai!e( to t+e consumer b- t+e (ebt co!!ector. ccor(in/ to t+e 5air 're(it %eportin/ ct, Section 30A 6a76176 7, -our compan- is require( b- fe(era! !a. to verif- $ t+rou/+ t+e p+-sica! verification of t+e ori/ina! si/ne( certifie( consumer contract $ of an- an( a!! accounts -ou request to be poste( an( or reporte( on a cre(it report. I (eman( to see a cop- of t+e =erifiab!e, =a!i(ate( Proof 6an ori/ina! 'onsumer 'ontract .it+ a .et$inC Si/nature on it, copies of copies are not =a!i(ation an( b- :a. are not consi(ere( proof7, t+at -ou +ave on fi!e for t+e account !iste( above. 0n(er t+e 5'% , unverifie(, inva!i( accounts must be remove(. If -ou are unab!e to provi(e t+e me .it+ a cop- of t+e verifiab!e>va!i(ate( proof t+at -ou +ave on fi!e .it+in #0 ca!en(ar (a-s from receipt of t+is notice, for t+e account !iste( above t+en -ou must at once remove t+e account from 68our ;ame7 cre(it reports. I (eman( t+e account be verifie( or remove( imme(iate!-D )+e !a. is ver- c!ear as to t+e 'ivi! !iabi!it- an( t+e reme(- avai!ab!e to me for t+e Ene/!i/ent noncomp!ianceE 6Section 3177 if -ou fai! to comp!- .it+ t+is 5e(era! :a.. Sincere!-, 68our ;ame7