Collection/Charge off Dispute
(Date)
(Your Name)
(Your Address)
(City, State, ZIP Code)
(Credit Bureau Name)
(Credit Bureau Address)
(City, State, ZIP Code)
Dear (Credit Bureau Name),
I am writing to dispute the accuracy of a collection account listed on my credit report, as permitted under the Fair Credit Reporting Act (FCRA).
Creditor’s/Collection Name: (Account Number)
I believe these accounts are incorrectly associated with my credit profile as they do not belong to me. (Optional: Briefly explain any relevant details, such as potential identity theft or mix-up.)
I have enclosed copies of my identification and other documentation to verify my identity and support my claim. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Please conduct a thorough investigation into these accounts and remove them from my credit report if they are indeed inaccurate. I request written confirmation of the results of your investigation and any corrections made.
Thank you for your attention to this matter. I look forward to your prompt response.
Sincerely,
(Your Signature)
(Your Printed Name)
Enclose a copy of your license, social, & proof of residence and mail certified.
Feel free to adjust the template to better fit your situation!
Goodwill adjustment letter
(Date)
(Your Name)
(Your Address)
(City, State, ZIP Code)
(Phone Number)
(Creditor's Name)
(Creditor's Address)
(City, State, ZIP Code)
Subject: Goodwill Adjustment Request for Late Payment
Dear (Creditor’s Name or Customer Service Department),
I hope this message finds you well. I am writing to request a goodwill adjustment regarding a late payment reported on my account, (Account Number), for the month of (Month/Year).
I have been a loyal customer since (Year) and have consistently made my payments on time. Unfortunately, (briefly explain the reason for the late payment, such as a temporary financial hardship, illness, or other extenuating circumstances without going into excessive detail). This was an isolated incident, and I took immediate steps to rectify the situation.
I kindly ask that you consider removing the late payment from my credit report as a gesture of goodwill. This adjustment would significantly help me maintain my credit standing and continue to meet my financial obligations.
Thank you for considering my request. I appreciate your understanding and look forward to your favorable response.
Sincerely,
(Your Signature)
(Your Printed Name)
Feel free to adjust the template to better fit your situation!
Inquiry Dispute
(Credit Bureau Name)
(Credit Bureau Address)
(City, State, ZIP Code)
Subject: Dispute of Unauthorized Inquiries
Dear (Credit Bureau Name),
I am writing to formally dispute certain inquiries on my credit report that I believe are inaccurate and do not belong to me. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is incorrect or unverifiable. Upon reviewing my credit report, I found the following inquiries that I did not authorize:
- (List Inquiry 1: Date, Company Name)
- (List Inquiry 2: Date, Company Name)
- (List Inquiry 3: Date, Company Name)
I have not applied for credit with these companies, and I am concerned that these unauthorized inquiries may negatively impact my credit score.
According to the FCRA, you are required to investigate any disputes I submit regarding inaccuracies on my report. I kindly request that you investigate these inquiries and remove any that cannot be verified as having my consent.
Please find attached a copy of my credit report highlighting the unauthorized inquiries. (Just send the page of the report with the inquiries not the full report and highlight them)
I appreciate your prompt attention to this matter and look forward to your response. You can reach me at the contact information provided above if you need any further details.
Thank you for your assistance.
(Your Signature)
(Your Printed Name)
(Your Address)
(City, State, ZIP Code)
Make sure to mail letter certified.
Feel free to adjust the template to better fit your situation!
Cease and Desist
(Collection Agency's Name)
(Collection Agency's Address)
(City, State, ZIP Code)
Subject: Cease and Desist Demand
To Whom It May Concern,
I am writing to demand that you cease and desist all communication regarding the alleged debt associated with my name, identified as (insert account number or reference number if available). This is a formal request under the Fair Debt Collection Practices Act (FDCPA).
Your continued attempts to contact me are unwarranted and unacceptable. I am explicitly instructing you to stop all communication, including phone calls, letters, and any other forms of contact regarding this matter. Any further communication will be viewed as a direct violation of the FDCPA, and I will not hesitate to take legal action if necessary.
If you believe this debt is valid, you are required to provide me with written validation as mandated by the FDCPA. Until I receive such validation, I expect no further contact from your agency and for this account to not be reported on my credit.
This matter is serious, and I expect your immediate compliance.
Thank you for your attention to this issue,
(Your Signature)
(Your Printed Name)
(Your Address)
(City, State, ZIP Code)
Make sure to mail letter certified.
Feel free to adjust the template to better fit your situation!
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