DISPUTE LETTER INSTRUCTIONS

Each letter is to be duplicated three (3) times addressed separately to each of the three main
credit bureaus (Equifax, Experian, TransUnion).

It is highly recommended that you send these letters via "Certified Return Receipt".

Each letter has a place for a notary to notarize your letter. This is not essential but can be
helpful. Most local banks offer free notary services to their customers. Do not sign the letter until
you are in the presence of the notary public.

Include a copy of two forms of ID when sending dispute letters. Proper forms of ID are listed
below:

● Driver's License
● State ID Card
● Bank or Credit Union Statement (not electronic)
● Cancelled Check
● Government Issued ID
● Signed Letter from Homeless Shelter
● Stamped Post Office Box Receipt
● Utility Bills (Water, Gas, Electric, or Telephone)
● Pay Stub

It is ​EXTREMELY IMPORTANT​ to send the correct forms of ID. If they are not sent, the bureaus
will ignore your requests or reply with a request for you to send the correct information. Either of
these will increase the time needed to get you back on the right road to the best possible credit
for your situation.

DO NOT​ dispute more than ​22​ derogatory items at one time, otherwise the credit bureaus might
mark your disputes as frivolous.

In the dispute templates, replace the bold ​red content​ with your personal information.

Keep good records. Date and record everything you send and everything you receive.

Do not give up or get scared in the process. Regardless of what the credit bureau sends you, if
the derogatory item is not removed from your report, proceed with the next letter.

Go through ​ALL​ of the training videos so that you fully understand the process and how to
improve your credit score.
DISPUTE LETTER #1
YOUR NAME
YOUR ADDRESS
CITY, STATE ZIP
SSN: xxx-xx-xxxx | DOB: 01/01/1970

Month Day , 20XX

CREDIT BUREAU
ADDRESS
CITY, STATE ZIP

To whom it may concern:

Please accept this letter as my formal written request for the following items on my credit report
to be investigated.

According to the Fair Credit Reporting Act, ​15 U.S.C. §1681 Section 609 (a)(1)(A)​, ​you are
required by federal law to verify ​- ​through the physical verification of the original signed
consumer contract - ​any and all accounts you post on a credit report. Otherwise, anyone paying
for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof (​an original Consumer Contract with my Signature on it​)
you have on file of the accounts listed below. Your failure to positively verify these accounts has
hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if
you are unable to provide me a copy of verifiable proof, you must remove the accounts listed
below.

I demand the following accounts be verified or removed immediately:

Name of Account Account Number Provide Verification

Creditor 1 Unverified Account

Creditor 2 Unverified Account

Creditor 3 Unverified Account

Creditor 4 Unverified Account

Creditor 5 Unverified Account

Creditor 6 Unverified Account

* Please remove all non-account holding inquiries over 30 days old.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and
year first above written.

Signed, sealed and delivered in the presence of: {PRINT YOUR NAME HERE}

Signature _________________________________

STATE OF
COUNTY OF

I HEREBY CERTIFY that on this day before me, an officer duly qualified to take
acknowledgments, personally appeared ​{ YOUR NAME HERE }​, who is personally known
to me or who has produced _____________________________________________ as
identification and who executed the foregoing instrument and he/she acknowledged
before me that he/she executed the same.

WITNESS my hand and official seal in the County and State aforesaid this _____
day of ____________________ 2017.

___________________________________
Notary Public
Printed Name:
My commission expires:
DISPUTE LETTER #2
YOUR NAME
YOUR ADDRESS 1
CITY, STATE ZIP
SSN: xxx-xx-xxxx | DOB: 01/01/1970

Month Day , 20XX

CREDIT BUREAU
ADDRESS
CITY, STATE ZIP

To whom it may concern:

Please be advised that this is my​ SECOND WRITTEN REQUEST ​for you to remove the
unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. §1681.
The unverified items listed below remain on my credit report in violation of Federal Law. You are
required under the FCRA to have a copy of the original creditors documentation on file to verify
that this information is mine and is correct. In the results of your first investigation, you stated in
writing that you ​“verified” ​that these items are​ ​being​ “reported correctly”.

Who in your company verified these accounts? How did they verify them? Please provide
me with the name of the individual, business address and telephone number of the
person or business contacted during your reinvestigation.​ Also, why did you not send me
copies of the verification like I asked?

As I am sure you are well aware, current case law states that Consumer Reporting Agencies
bear grave responsibilities to ensure the accuracy of the accounts they report on and their
responsibility must consist of something more than merely parroting information received from
other sources. The courts have ordered that a “Reinvestigation” that merely shifts the burden
back to the consumer and the credit grantor cannot fulfill the obligations proposed by §
1681(a)(4).
You have ​NOT ​provided me a copy of ANY original documentation required under ​Section 609
(a)(1)(A) & Section 611 (a)(1)(A) ​( a consumer contract with my signature on it )​ ​and under
Section 611 (5)(A​) of the FCRA – you are required to ​“…promptly DELETE all information
which cannot be verified.”
The law is very clear as to the Civil liability and the remedy available to me for ​“​negligent
noncompliance” (​Section 617​) if you fail to comply. I am a litigious consumer and fully intend on
pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
 Name of Account Account Number Provide Verification

Creditor 1 Unverified Account

Creditor 2 Unverified Account

Creditor 3 Unverified Account

Creditor 4 Unverified Account

Creditor 5 Unverified Account

* Please remove all non-account holding inquiries over 30 days old.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the
day and year first above written.

Signed, sealed and delivered in the presence of: {PRINT YOUR NAME HERE}

Signature _________________________________

STATE OF
COUNTY OF

I HEREBY CERTIFY that on this day before me, an officer duly qualified to
take acknowledgments, personally appeared ​{ YOUR NAME HERE }​, who is
personally known to me or who has produced
_____________________________________________ as identification and who
executed the foregoing instrument and he/she acknowledged before me that
he/she executed the same.

WITNESS my hand and official seal in the County and State aforesaid this
_____ day of ____________________ 2017.

___________________________________
Notary Public
Printed Name:
My commission expires:
DISPUTE LETTER #3
YOUR NAME
YOUR ADDRESS 1
CITY, STATE ZIP
SSN: xxx-xx-xxxx | DOB: 01/01/1970

Month Day , 20XX

CREDIT BUREAU
ADDRESS
CITY, STATE ZIP

To whom it may concern:

Please be advised this is my ​THIRD WRITTEN REQUEST and ​FINAL WARNING that I fully intend
to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all
monetary damages that I may be entitled to under Section 616 and Section 617 regarding your
continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in
violation of Federal Law. You are required under the FCRA to have a copy of the original creditors
documentation on file to verify that this information is mine and is correct. In the results of your first
investigation and subsequent reinvestigation, you stated in writing that you “verified” that these items
are being “reported correctly”; who verified these accounts?

I request for the third time that you provide the method of verification you used. Your response should
provide:
● The name of the original creditor
● The address and phone number of the original creditor
● The name of the person at Experian who verified the dispute with the original creditor

You have ​NOT provided me a copy of ANY original documentation ( a consumer contract with my
signature on it) as required under ​Section 609 (a)(1)(A) & ​Section 611 (a)(1)(A)​. Furthermore you
have failed to provide the method of verification as required under ​Section 611 (a) (7)​. Please be
advised that under ​Section 611 (5)(A) of the FCRA – you are required to ​“…promptly DELETE all
information which cannot be verified.”

The law is very clear as to the Civil liability and the remedy available to me (​Section 616 & 617​) if
you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in
this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Creditor 1 Unverified Account

Creditor 2 Unverified Account

Creditor 3 Unverified Account

Creditor 4 Unverified Account

Creditor 5 Unverified Account

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and
year first above written.

Signed, sealed and delivered in the presence of: {PRINT YOUR NAME HERE}

Signature _________________________________

STATE OF
COUNTY OF

I HEREBY CERTIFY that on this day before me, an officer duly qualified to take
acknowledgments, personally appeared ​{ YOUR NAME HERE }​, who is personally known
to me or who has produced _____________________________________________ as
identification and who executed the foregoing instrument and he/she acknowledged
before me that he/she executed the same.

WITNESS my hand and official seal in the County and State aforesaid this _____
day of ____________________ 2017.

___________________________________
Notary Public
Printed Name:
My commission expires:
DISPUTE LETTER #4
YOUR NAME
YOUR ADDRESS 1
CITY, STATE ZIP
SSN: xxx-xx-xxxx | DOB: 01/01/1970

Month Day , 20XX

CREDIT BUREAU
ADDRESS
CITY, STATE ZIP

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES

Please accept this final written ​OFFER OF SETTLEMENT BEFORE LITIGATION a​s my attempt to
amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to
delete UNVERIFIED information from my consumer file.​ ​I intend to pursue litigation in accordance
with the FCRA to seek relief and recover all monetary damages that I may be entitled to under
Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A
copy of this letter as well as copies of the three written letters sent to you previously will also become
part of a formal complaint to the Federal Trade Commission and shall be used as evidence in
pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in
violation of Federal Law. You are required under the FCRA to have a copy of the original creditors
documentation on file to verify that this information is mine and is correct. In the results of your
investigations, you stated in writing that you “verified”​ ​that these items are​ ​being​ ​“reported correctly”.

I request for the third time that you provide the method of verification you used. Your response should
provide:
● The name of the original creditor
● The address and phone number of the original creditor
● The name of the person at Experian who verified the dispute with the original creditor
● The documentation used to verify the dispute

You have ​NOT ​provided me a copy of ANY original documentation (a consumer contract with my
signature on it)​ ​as required under ​Section 609 (a)(1)(A) & Section 611 (a)(1)(A).
Furthermore you have failed to provide the method of verification as required under ​Section 611 (a)
(7)​. Please be advised that under ​Section 611 (5)(A​) of the FCRA – you are required to
“…promptly DELETE all information which cannot be verified.”
The law is very clear as to the Civil liability and the remedy available to me (​Section 616 & 617​) if
you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in
this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Verification

Creditor 1 Unverified Account

Creditor 2 Unverified Account

Creditor 3 Unverified Account

Creditor 4 Unverified Account

Creditor 5 Unverified Account

* Please remove all non-account holding inquiries over 30 days old.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and
year first above written.

Signed, sealed and delivered in the presence of: {PRINT YOUR NAME HERE}

Signature _________________________________

STATE OF
COUNTY OF

I HEREBY CERTIFY that on this day before me, an officer duly qualified to take
acknowledgments, personally appeared ​{ YOUR NAME HERE }​, who is personally known
to me or who has produced _____________________________________________ as
identification and who executed the foregoing instrument and he/she acknowledged
before me that he/she executed the same.

WITNESS my hand and official seal in the County and State aforesaid this _____
day of ____________________ 2017.

___________________________________
Notary Public
Printed Name:
My commission expires: