Dispute Template Letter – 30 Day No Response

This letter would be sent to a credit bureau if they ignored your previous requests. Remember to include a copy of your original mailing and the certified receipt.  Also remember to only send this letter to the bureau(s) that are reporting the derogatory information.  If you send this letter to one of the three bureaus that is NOT reporting the information, you take the risk of having the derogatory information added to that bureau report.  Send proof of current address, proof of social security number, and send all correspondence via certified mail.

[[Date]]

[[Credit Bureau Name]]
[[Address]]
[[City, State, Zip]]

Re: Second request for removal of inaccurate information

Dear [[Credit Bureau Name]]:

Please be advised that this letter will serve as a formal complaint that you did not respond to my initial dispute on ___________ sent certified mail.

The Fair Credit Reporting Act requires you to investigate any items that I feel are inaccurate, obsolete or outdated. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine. Please take immediate action to rectify these issues.

I look forward to your timely response and to receiving an updated copy of my credit report.

Sincerely,

[[Your Name]]
[[Your Address]]
[[Your SS#]]
[[Your DOB]]