179-Page Complete Dispute Letter Library
****PLEASE be smart and customize/simplify these letters to suit your needs. The only reason I am providing dispute letter templates is because each letter has a PURPOSE and can be a tool to get you deletions. However, that does not mean that you want to send in anything with laws or a super-amount of paragraphs! ***
CONTENTS
INTRODUCTION........................................................................................................................9
CREDIT BUREAU DISPUTES......................................................................................................10
INCORRECT ADDRESS & NAME DISPUTE......................................................................................11
PERSONAL INFORMATION DISPUTE.............................................................................................12
UNAUTHORIZED INQUIRY DISPUTE - LETTER A............................................................................13
UNAUTHORIZED INQUIRY DISPUTE LETTER .................................................................................14
ROUND 2 INQUIRY DISPUTE .........................................................................................................15
ROUND 3 INQUIRY DISPUTE-INTENT TO SUE ...............................................................................16
REQUEST FOR VERIFICATION........................................................................................................17
REQUEST VERIFICATION WHEN NO ANSWER FROM CA..............................................................18
REQUEST VERIFICATION OF A JUDGMENT...................................................................................19
INACCURATE INFORMATION DISPUTE - LETTER A .......................................................................20
INACCURATE INFORMATION DISPUTE - LETTER B .......................................................................21
INACCURATE INFORMATION DISPUTE - LETTER C .......................................................................22
REQUESTING THE REMOVAL OF INACCURATE INFORMATION....................................................23
INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 1 ............................................................24
INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 2 ............................................................25
INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 3 ............................................................26
INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 4 ............................................................27
INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 5 ............................................................28
INCORRECT BALANCE DISPUTE 1..................................................................................................29
INCORRECT BALANCE DISPUTE 2..................................................................................................30
INCORRECT BALANCE DISPUTE 3..................................................................................................31
INCORRECT CREDIT LIMIT DISPUTE ..............................................................................................32
CREDIT LIMIT ON COLLECTIONS DISPUTE 1 .................................................................................33
CREDIT LIMIT ON COLLECTIONS DISPUTE 2 .................................................................................34
DELINQUENCY/PAST-DUE AMOUNTS AFTER CLOSED OR CHARGE-OFF ......................................35
UNDATED LATE-PAYS ON DEROGATORY ACCOUNTS 1................................................................36
UNDATED LATE-PAYS ON DEROGATORY ACCOUNTS 2................................................................37
INCORRECT ACCOUNT TYPE .........................................................................................................38
DATE OF LAST ACTIVITY DI
REQUEST FOR INVESTIGATION PROCEDURES - LETTER A ............................................................53
REQUEST FOR INVESTIGATION PROCEDURES - LETTER B ............................................................55
REQUEST FOR INVESTIGATION PROCEDURES - LETTER C ............................................................56
REQUEST FOR INVESTIGATION PROCEDURES - LETTER D............................................................57
REQUEST FOR INVESTIGATION PROCEDURES - LETTER E.............................................................58
REQUEST FOR INVESTIGATION PROCEDURES - LETTER F.............................................................60
METHOD OF VERIFICATION - PUBLIC RECORDS ...........................................................................61
METHOD OF VERIFICATION - FOLLOW-UP...................................................................................62
METHOD OF VERIFICATION - NO RESPONSE................................................................................63
INVESTIGATION RESULTS DISPUTE...............................................................................................64
REPLY WHEN ACCUSED OF CREDIT REPAIR..................................................................................65
REQUEST DOCUMENTATION WHEN DELETED ITEM WAS REINSERTED ......................................67
REQUEST DELETION WHEN DELETED ITEM REAPPEARS ..............................................................69
ACCOUNTS SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY.....................................................71
BURDEN OF PROOF ON THE CREDIT BUREAU FOR BANKRUPTCY ITEMS ....................................72
REQUEST FOR ADDITION OF CREDIT INFORMATION...................................................................73
REQUEST FREE CREDIT REPORT BECAUSE OF CREDIT DENIAL - LETTER A ...................................74
REQUEST FREE CREDIT REPORT BECAUSE OF CREDIT DENIAL - LETTER B ...................................75
ARCHIVE REQUEST........................................................................................................................76
REQUEST TO UPDATE BANKRUPTCY ACCOUNTS .........................................................................77
OPT-OUT.......................................................................................................................................78
FRAUD ALERT & FREE REPORT (FROM EACH BUREAU INDIVIDUALLY)........................................79
FRAUD ALERT REMOVAL LETTER..................................................................................................80
NOTICE OF EXTENDED FRAUD ALERT...........................................................................................81
ORIGINAL CREDITOR DISPUTES...............................................................................................82
GOODWILL LETTER .......................................................................................................................83
GOODWILL LETTER 2 ....................................................................................................................84
GOODWILL REQUEST 3 (TO REMOVE OLD SHORT TERM ACCTS) ................................................85
LETTER TO CREDITOR - NOTICE OF FRAUDULENT ACCOUNT.......................................................86
REQUEST FOR CREDITOR DOCUMENTATION...............................................................................87
INQUIRY DISPUTE - LETTER A .......................................................................................................88
INQUIRY DISPUTE - LETTER B........................................................................................................89
INQUIRY DISPUTE - LETTER C........................................................................................................90
INQUIRY DISPUTE - LETTER D .......................................................................................................91
INQUIRY DISPUTE - LETTER E........................................................................................................93
FOLLOW-UP (ROUND 2) INQUIRY DISPUTE..................................................................................94
REQUEST FOR DEBT VERIFICATION - LETTER A ............................................................................95
REQUEST FOR DEBT VERIFICATION - LETTER B ............................................................................96
DISPUTE LATE PAYMENTS ............................................................................................................98
DISPUTE INACCURATE INFORMATION - LETTER A .....................................................................100
DISPUTE INACCURATE INFORMATION - LETTER B .....................................................................101
DISPUTE WHEN REPORTING BALANCE.......................................................................................105
DISPUTE TO CEASE REPORTING OF AUTHORIZED USER DATA...................................................106
DISPUTE ROUND 2 - REMOVE LATES..........................................................................................108
DISPUTE ROUND 2 - NO RESPONSE TO ZERO BALANCE.............................................................110
AFTER CB VERIFIED AN ACCOUNT ..............................................................................................111
REQUEST FOR VERIFICATION PROCEDURES...............................................................................112
VERIFYING IF CB CONTACTED OC FOR VERIFICATION................................................................113
REQUEST TO PULL BACK DEBT FROM CA ...................................................................................115
NOTICE OF BANKRUPTCY ...........................................................................................................116
DEBT SETTLEMENT OFFER ONCE VERIFIED ................................................................................117
DEBT SETTLEMENT OFFER - LETTER A........................................................................................119
DEBT SETTLEMENT OFFER - LETTER B ........................................................................................121
CONFIRM DEBT SETTLEMENT OFFER - LETTER C........................................................................124
CONFIRM DEBT SETTLEMENT OFFER - LETTER B........................................................................126
CONFIRM DEBT SETTLEMENT OFFER - LETTER C........................................................................128
CONFIRM DEBT SETTLEMENT OFFER - LETTER D .......................................................................129
CONFIRM DEBT SETTLEMENT OFFER - LETTER E........................................................................131
LIQUIDATED DAMAGES STIPULATION........................................................................................132
REPO DISPUTE - LETTER A...........................................................................................................133
REPO DISPUTE - LETTER B...........................................................................................................135
COLLECTOR DISPUTES........................................................................................................... 136
VOD LETTER A.............................................................................................................................137
VOD LETTER B.............................................................................................................................138
VOD LETTER C.............................................................................................................................139
VOD LETTER D.............................................................................................................................140
VOD LETTER E .............................................................................................................................141
VOD LETTER F .............................................................................................................................142
VOD ESTOPPEL BY SILENCE.........................................................................................................143
VOD & SETTLEMENT OFFER........................................................................................................144
VOD LETTER WHEN SOL EXPIRED...............................................................................................145
VOD LETTER WHEN CREDITOR HAS NO RECORD OF ACCOUNT.................................................146
VOD ROUND 2 & SETTLEMENT OFFER AFTER NO RESPONSE ....................................................147
VOD ROUND 2 AFTER NO RESPONSE-LETTER A .........................................................................148
VOD ROUND 2 AFTER NO RESPONSE-LETTER B .........................................................................149
VOD ROUND 2 AFTER NO RESPONSE-LETTER C .........................................................................151
VOD ROUND 2 AFTER INSUFFICIENT RESPONSE-LETTER A ........................................................153
VOD ROUND 2 AFTER INSUFFICIENT RESPONSE-LETTER B ........................................................155
VOD ROUND 2 AFTER INSUFFICIENT RESPONSE-LETTER C ........................................................156
KO COLLECTION LETTER EXAMPLE 1 ..........................................................................................157
KO COLLECTION LETTER EXAMPLE 2 ..........................................................................................158
KO COLLECTION LETTER EXAMPLE 3 ..........................................................................................159
KO COLLECTION LETTER EXAMPLE 4 ..........................................................................................160
KO COLLECTION LETTER EXAMPLE 5 ..........................................................................................161
KO & SOL EXPIRED LETTER - ATTORNEY DEBT COLLECTORS......................................................162
ACCUSE CA OF FRAUD BY USING DATE PURCHASED AS DATE OF CHARGE-OFF .......................163
DEBT SETTLEMENT OFFER..........................................................................................................164
NOTICE OF FILED FOR BANKRUPTCY ..........................................................................................165
C&D SIMPLE-LETTER A................................................................................................................166
C&D COMMUNICATION-LETTER B .............................................................................................167
C&D LIMITED-LETTER C ..............................................................................................................168
C&D LIMITED-LETTER D..............................................................................................................169
C&D ROUND 2 VOD....................................................................................................................170
C&D UNABLE TO PAY..................................................................................................................171
C&D CONTACT AT WORK............................................................................................................172
REPORT EMPLOYEE VIOLATION..................................................................................................173
UNAUTHORIZED DISCLOSURE ....................................................................................................174
VOD AND CEASE TELEPHONE COMMUNICATION......................................................................175
VOD ROUND 2 DISPUTE..............................................................................................................176
COMPLAINT TO THE FTC.............................................................................................................177
RESPONSE TO COMPUTER PRINTOUT........................................................................................178
RESPONSE TO COMPUTER PRINTOUT 2.....................................................................................179