Dispute Follow Up Letter After Creditor has Verified Item

[Credit Expert]

Free Credit Letter Template: Dispute Follow Up Letter After Creditor has Verified Item

This credit letter is to: Dispute negative creit item with a creditor or collection agency after you have already challenged the same item with the credit bureaus and it was verified.




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Dear Creditor or Collection Agency,

This is the second dispute I am initiating after you verified false information when I challenged this account with Equifax, TransUnion and Experian. I am prepared to escalate this matter to the appropriate level if necessary.

You are inaccurately and incompletely furnishing information regarding the above-referenced account to the credit reporting agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

Pursuant to the FCBA (Fair Credit Billing Act), I dispute your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting.

Should you not be able or willing to provide me with the substantiating documentation as verification to cure this violation, within the next 30 days, please have the information deleted from each of the CRA's you initially furnished it to or, alternatively, do not respond to the next dispute that I initiate through the CRA's . If this matter remains unresolved, I will have no recourse but to consider legal action as a resolution.Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information.

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