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    Credit Dispute Letter2 - TransUnion

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    diversified1
    This is the consumer's second written request to Trans Union to remove an unverified Chase Bank account from their credit report. The consumer cites the FCRA requirement that credit reporting agencies must verify the accuracy of accounts listed and demands that Trans Union provide documents proving verification was done, including the name and contact information of the individual who verified the account. The consumer warns that if Trans Union fails to comply with the FCRA, they intend to pursue litigation to enforce their rights. The consumer demands immediate verification or deletion of the Chase Bank account and a copy of their updated credit report once removed.

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    Credit Dispute Letter2 - TransUnion

    Uploaded by

    diversified1
    194 views2 pages
    This is the consumer's second written request to Trans Union to remove an unverified Chase Bank account from their credit report. The consumer cites the FCRA requirement that credit reporting agencies must verify the accuracy of accounts listed and demands that Trans Union provide documents proving verification was done, including the name and contact information of the individual who verified the account. The consumer warns that if Trans Union fails to comply with the FCRA, they intend to pursue litigation to enforce their rights. The consumer demands immediate verification or deletion of the Chase Bank account and a copy of their updated credit report once removed.

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    Credit-Dispute-Letter2_TransUnion

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    This is the consumer's second written request to Trans Union to remove an unverified Chase Bank account from their credit report. The consumer cites the FCRA requirement that credit reporting agencies must verify the accuracy of accounts listed and demands that Trans Union provide documents proving verification was done, including the name and contact information of the individual who verified the account. The consumer warns that if Trans Union fails to comply with the FCRA, they intend to pursue litigation to enforce their rights. The consumer demands immediate verification or deletion of the Chase Bank account and a copy of their updated credit report once removed.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    194 views2 pages

    Credit Dispute Letter2 - TransUnion

    Uploaded by

    diversified1
    This is the consumer's second written request to Trans Union to remove an unverified Chase Bank account from their credit report. The consumer cites the FCRA requirement that credit reporting agencies must verify the accuracy of accounts listed and demands that Trans Union provide documents proving verification was done, including the name and contact information of the individual who verified the account. The consumer warns that if Trans Union fails to comply with the FCRA, they intend to pursue litigation to enforce their rights. The consumer demands immediate verification or deletion of the Chase Bank account and a copy of their updated credit report once removed.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    August 1, 2013

    Your Name
    Address
    City, State Zip
    SSN: 000-00-0000 | DOB: 1/1/1960
    Trans Union
    P.O. Box 2000
    Chester, PA 19022

    Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified
    accounts listed below that remain on my credit report in violation of 15 U.S.C. § 1681. You are required under
    the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your
    first re-investigation, you stated in writing that you “verified” that these items are being “reported correctly”.

    Where are the documents that you used to verify these accounts? What is the name of the
    person in your company who verified these accounts? What documents did they use to verify them?
    Please provide me with the name of that individual, their business address, and telephone number.

    Black’s Law Dictionary, 9th Edition, 2009, defines “Verify” as, 1) "To prove to be true; to confirm or
    establish the truth or truthfulness of; to authenticate." 2) “to confirm or substantiate by oath or
    affidavit; to swear to the truth of." and “Verification” as, “Confirmation of correctness, truth or
    authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of
    verification is to assure good faith in averments or statements of a party.”

    What this means is that your company must be willing and able to produce a document in your files that
    proves the account(s) in dispute belong to me and the information being reported is accurate and you must be
    able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the
    documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand
    knowledge of the alleged account(s) and all that has ever transpired for the alleged account(s), under oath and
    under the penalty of perjury.

    As I am sure that you are well aware, current Federal case law states that, Consumer Reporting
    Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their
    responsibility must consist of something more than merely parroting information received from other
    sources. The Courts have also ordered that a “Reinvestigation” that merely shifts the burden back to the
    consumer and the credit grantor cannot fulfill the obligations imposed by § 1681(a)(4).
    You have ignored my request to provided me with the documents that you have in your files that you
    used to verify the disputed accounts which means that you have NOT verified or you cannot verify any of these
    accounts and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all
    information which cannot be verified.”

    The law is very clear as to the Civil liability and the remedy available to me for “negligent
    noncompliance” (Section 617) if you fail to comply with this Federal Law. I am a litigious consumer and fully
    intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the
    following accounts be verified or deleted immediately.

    Name of Account: Account Number: Provide Physical Proof of Verification

    1. Chase Bank #533376304023 … Unverified Account

    (Hand Write this information with blue ink pen)


    Note: If they have already removed some of the items that you listed on your first letter
    than remove them from your list on this letter.
    On removal of the above noted accounts please provide me with a copy of an updated and
    corrected copy of my credit report showing that these accounts have been removed. Thanking
    you in advance for your anticipated quick co-operation on this matter.

    Thank you,

    Your Signature Here


    Your Name Here
    Attached: Copy of my Social Security Card & Drivers License is attached
    Sent: USPS Certified Mail

    COPY of SSN CARD

    COPY OF ID CARD
    (Driver’s License, Passport or
    State ID Card)

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