Hello everyone, I am drafting a letter to send directly to creditors that have failed to report accounts included in my BK 13 from 1996. I have tried to dispute with CRA's to no avail (creditors override changes each month). As this is the first letter I have drafted, I would appreciate any feedback you can give me. Thanks in advance! NiceGuy ----Begin NiceGuy's letter--- NiceGuy NiceGuy Street NiceGuy City, State Zip Bank of America P.O. Box 53105 Attn: CBR Disputes (AZ9-503-02-16) Phoenix, AZ 85072-3105 November 27, 2001 RE: Account #XXXX-XXXX-XXXX-XXXX Dear Sir/Madam: I am writing to dispute the accuracy of information that you have incorrectly reported to credit reporting agencies regarding the above-captioned account. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. (§ 623. Responsibilities of furnishers of information to consumer reporting agencies), you have a duty to provide accurate information relating to this account. Per your request, I am including the following information to assist in the prompt resolution of this dispute: (1) Name, address, and account number (above) (2) Telephone number: (XXX) XXX-XXXX (3) Social security number: XXX-XX-XXXX (4) Brief description of problem: My credit reports state that this account was charged off and/or a profit and loss write-off with a current balance of $3,447, and a past due amount of $3,447 (Equifax, Experian, and Trans Union), and, in one instance an incorrect date of last activity of 8/1996 (Trans Union). This account was included in and discharged through Chapter 13 Bankruptcy (Case #: XX-XXXXX). Accordingly, the account must be updated as follows: Status: Discharged in Bankruptcy Chapter 13 Balance: $0 Past Due: $0 Date of Last Activity: 1/96 Further, I am also enclosing: (5) Copies of relevant portions of credit reports affected (6) Copy of relevant portion of Chapter 13 Schedule F (Creditors holding unsecured nonpriority claims) (7) Copy of Chapter 13 discharge letter Please be aware that this is a very serious matter demanding your immediate attention. I expect that my credit reports at all credit reporting agencies (CRAâ??s) will be updated to reflect the correct status of this account no later than thirty (30) days from the date of this letter. If this does not occur, I will be compelled to file a complaint with the Federal Trade Commission (FTC) for violation of the Fair Credit Reporting Act (FCRA) and/or take legal action against you. Accordingly, I look forward to your prompt resolution of this matter. Sincerely, NiceGuy Signature NiceGuy
I am certain one of the more experienced users will respond to your questions within a day. Remember there are hundreds of posts here a day and many times it is easy to miss a post when reviewing them, but I find you always get an answer within a day or so!
NG, I think it is a very good letter. You stated the problem clearly, and told them what you wanted done, and when you expect it. And best of all what will happen if they don't Good job.
