Sample Dispute Letter to Credit Reporting Agencies

Sample letter disputing inaccurate information on a credit report.

 

Date

Your Name
Mailing Address
City, State, Zip

Re: Disputing Inaccuracies on My Credit Report

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Consumers in Midwest States Can Get Free Credit Reports Starting March 1, 2005

A new federal law, known as the Fair and Accurate Credit Transactions Act, or FACTA, adopted by Congress in 2003 gives consumers nationwide the right to receive a free copy of their credit report. The law is being phased in through the U.S. and Midwest states are next on the rollout list. The ability for consumers to get a free copy of their credit report annually started on the West Coast on December 1, 2004, and individuals living in the Midwest can start receiving their reports on March 1, 2005.

Groups Ask the FTC to Immediately Stop Credit Bureaus From Blocking Web Links to www.AnnualCreditReport.com

The World Privacy Forum and the Privacy Rights Clearinghouse sent a letter to the Federal Trade Commission (FTC) today requesting the agency immediately take steps to protect consumers in advance of the March 1 rollout of free credit reports to Midwestern U.S. residents.

Call Don't Click Update: Still Be Smart about Ordering Federally Mandated Free Credit Reports

A new report issued today by the World Privacy Forum shows that many consumers may still be better off calling or mailing in for their federally mandated free credit reports instead of accessing the reports online. Although the official Annualcreditreport.com site has improved since its launch in December 2004, there are continuing hazards posed by imposter Web domains, some of which have been aggressively attempting to misdirect and in some cases deceive consumers.

Call Don't Click: Why It Is Smarter to Order a Federally Mandated Credit Report Via the Phone Instead of the Internet

new report issued today by Pam Dixon of the World Privacy Forum (www.worldprivacyforum.org) in advance of the March 1 rollout of free credit reports to Midwest residents, shows that consumers may be better off calling or mailing for their federally mandated free credit report instead of going online for it.

Comments to the FTC on Accuracy in Background Checks and Insurance Reports

The FTC should separately undertake a review of inaccuracies in employment reports and insurance claims reports.  From our experience, job applicants and employees encounter significant problems when an erroneous criminal history is reported to an employer. Local, state and federal court records are public records that are available to anyone and are not compiled for the purpose of furnishing data to consumer reporting agencies.

Groups Ask FTC to Stop Blocking Links to Free Credit Report Site, www.annualcreditreport.com

While a number of issues regarding www.annualcreditreport.com need to be corrected, one issue stands out as critically important to correct immediately. That is, the active blocking of Web linking to the annualcreditreport.com site is harming consumers right now, and does not serve any apparent purpose other than to direct consumers to for-pay services at the credit bureaus.

Fair and Reasonable Fee for Credit Score Disclosure: Comments to Federal Trade Commission

For years lenders have relied on scoring models to evaluate risk in extending credit to individual consumers for a car loan, mortgage or credit card. Following the lead of states like California and Colorado, Congress amended the FCRA with the Fair and Accurate Credit Reporting Act of 2003, Pub. L. 108-159, (FACTA), and gave consumers the right to view their score as well as get an explanation of the factors that went into the score.

When consumer interests are factored in, the only fair and reasonable approach is for the Commission to set a fee limited to the actual cost of producing and delivering the score to consumers.

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