Credit Card Protection
So often community members have asked for a letter example to accomplish some purpose. This then is a sample format I have written myself or obtained from others on my Forum. Feel free to copy, paste, and alter to fit your needs.
The Fair Credit Reporting Act (FCRA) states the credit bureau must respond to your dispute within 30-days except in Colorado, Connecticut, and Massachusetts which is 5-days; Maine and Maryland which is 12-days; and Louisiana which is 45-days. The number of days allowed is ample considering the fact that most creditors are already online and more are joining everyday. FCRA also states that if the item cannot be verified, it must be removed from the consumer's file.
No Response To CRA Dispute
From: (Your Name)
TO: Consumer Relations Credit Reporting Agency Address City, State, Zip Code
Subject: No Response From Your Office
On (Date) I requested an investigation of certain items on my credit file. You will find a copy of my letter enclosed.
The Fair Credit Reporting Act states a response is required from you within 30-days. I assume you have not responded because the disputed items cannot be verified. Therefore, please delete these items and send me a corrected copy. I understand you will also send an updated copy to everyone who has requested a copy of my file within the past 6-months.
Address Phone Number (optional)