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Credit Report Dispute Letter #2 (View Letter)

Use this letter when, after you've already sent an initial dispute letter to credit reporting agencies asking them to remove or correct inaccurate information, they fail to respond.

Given the millions of inquiries and disputes over personal credit reports, it's not uncommon for requests to get lost in the shuffle or end up at bottom of the pile. When that happens, consider sending a follow up letter that reminds the credit reporting agency of your first dispute letter and that you are still waiting for a reply.

Sending a follow up dispute letter demonstrates to the credit report agency (CRA) that you plan to be persistent in making sure your personal credit profile and credit history remain accurate at all times. It also shows that you are willing to give the CRA the benefit of the doubt about their failure to respond to your first letter.

IMPORTANT! Accurate and timely information cannot be removed from personal credit reports! Use the free sample letter below only if you believe the information you are disputing is inaccurate AND you've already sent an initial dispute letter.

You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you'd like an electronic copy of any letter, simply submit the FREE Request Form and I'll send you a copy absolutely FREE!

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Free Sample Letter
Follow-up Dispute Letter for correcting Personal Credit Reports

Today's Date

Full Name
Current Address
Current Phone Number

Attention: {insert credit reporting agency name} See addresses below


{add CRA address here}

RE: Dispute Letter Dated {place the date of your initial letter here}

Dear {credit reporting agency}

This letter is a formal notice that you have failed to respond in a timely manner to my letter dated, {place the date of your initial letter here}, and deposited by registered mail with the Post Office on that date. For your benefit, and as a gesture of my goodwill, I will restate my dispute:

Line Item: {insert name of creditor, account number or line item number}

Item description: (found on your credit report)

The item: is completely (insert appropriate word: inaccurate, incorrect, incomplete, erroneous, misleading, outdated) and needs to be corrected immediately. I have enclosed a copy of your organization's credit report dated {insert date of report here} and for your convenience, circled the item described above.

The Fair Credit Reporting Act requires you to investigate and respond to my dispute within 30 days, yet you have failed to do so. I feel it necessary to remind you that you may be liable for your willful non-compliance and that I am maintaining a careful record of my communications with you on this matter, in case your continued non-compliance forces me to file a complaint with the FTC. (See Title 15 USC 41)

Please do not delay further! {insert the appropriate word here} (Delete, Update, Correct) the information identified above and send corrected credit profile to me and to all creditors who have received a copy within the last 6 months, and the last 2 years for employment purposes.

If your re-investigation was negative, please supply the description of the procedure used to determine the accuracy and completeness of the information to my address listed above.

Sincerely,

Signature
Your Printed Name

Back to Letter

Credit Bureau Dispute Addresses

Experian:
National Consumer Assistance Center
PO Box 2002 Allen, TX 75013

TransUnion: (Eastern United States)
TransUnion
P.O. Box 2000
Chester, PA 19022

TransUnion: (Western United States)
P.O. Box 34012
Fullerton, CA 92831

TransUnion: (Puerto Rico)
TransUnion
Puerto Rico Consumer Relations
P.O. Box 13968
Santurce Station San Juan, PR00907-3968

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