Dispute Paid Debt with Creditor to Remove from Credit Report

[Credit Expert]

Free Debt Letter Template: Dispute Paid Debt with Creditor to Remove from Credit Report

This letter is to: Challenge negative listing with a creditor or collection agency after it has been paid. Includes case law.





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To Whom It May Concern,

Let me once again outline what action needs to be taken. Since you have not validated the above referenced tradeline within the given timeframe, you are to immediately delete this incorrect account, in the form of a Universal Data Form, from files with the three major credit bureaus (Equifax, Experian, and TransUnion), and fax proof of the deletion to me immediately!

Furthermore, since you are unable to validate this tradeline, it is lawfully assumed that you are unable to verify this account with the credit reporting agencies as well.

Also note that section 1681s-2(b) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information (Nelson v. Chase Manhattan).

Please be advised that failure to comply with my requests will result in a lengthy and expensive legal battle with your company. Considering that you are not located in my state, you will have to appear here or retain outside counsel to defend your interests. This matter can be resolved without such action.

For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action as necessary.

Thank you, and I look forward to your resolving this matter expeditiously, as time is of the essence.

Sincerely,


Consumer


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