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    Bankruptcy Removal Letter

    Uploaded by

    Michael
    The letter requests that Equifax Credit Bureau remove all tax lien and bankruptcy information listed under the author's social security number from their credit report. It cites sections of the Fair Credit Reporting Act that require credit bureaus to validate information with the original creditor and remove any information that cannot be validated. The author confirmed with the relevant courts and recorder of deeds that they do not provide information to credit bureaus. The letter gives Equifax 30 days to comply before pursuing legal action for damages including defamation and violations of credit reporting laws.

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    Bankruptcy Removal Letter

    Uploaded by

    Michael
    15K views1 page
    The letter requests that Equifax Credit Bureau remove all tax lien and bankruptcy information listed under the author's social security number from their credit report. It cites sections of the Fair Credit Reporting Act that require credit bureaus to validate information with the original creditor and remove any information that cannot be validated. The author confirmed with the relevant courts and recorder of deeds that they do not provide information to credit bureaus. The letter gives Equifax 30 days to comply before pursuing legal action for damages including defamation and violations of credit reporting laws.

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    Bankruptcy Removal Letter

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    The letter requests that Equifax Credit Bureau remove all tax lien and bankruptcy information listed under the author's social security number from their credit report. It cites sections of the Fair Credit Reporting Act that require credit bureaus to validate information with the original creditor and remove any information that cannot be validated. The author confirmed with the relevant courts and recorder of deeds that they do not provide information to credit bureaus. The letter gives Equifax 30 days to comply before pursuing legal action for damages including defamation and violations of credit reporting laws.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    15K views1 page

    Bankruptcy Removal Letter

    Uploaded by

    Michael
    The letter requests that Equifax Credit Bureau remove all tax lien and bankruptcy information listed under the author's social security number from their credit report. It cites sections of the Fair Credit Reporting Act that require credit bureaus to validate information with the original creditor and remove any information that cannot be validated. The author confirmed with the relevant courts and recorder of deeds that they do not provide information to credit bureaus. The letter gives Equifax 30 days to comply before pursuing legal action for damages including defamation and violations of credit reporting laws.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 1

    Name

    Address
    Address
    SSN

    Date

    Equifax Credit Bureau


    P. O. Box 740256
    Atlanta GA 30374
    RE: SSN #_______________________

    Dear Equifax Credit Bureau:

    I obtained my Equifax credit report on line. There were Tax Liens from the County Recorder of Deeds,
    and U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623(a)(5): “If the Credit
    Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said
    information from the consumer credit file”.

    The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which
    emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they
    ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party
    providers who collect information regarding public cases from public records. Public records information is
    NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting
    Agency PRIVACY LAW.

    My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit
    Bureau has never validated or verified these public record entries on my credit report, neither will they
    ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or
    INCORRECT public records, nor the distribution of said information, public records may, and oftentimes
    are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
    Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and
    bankruptcy information currently showing under my social security number to be PERMANENTLY
    DELETED from my credit report immediately.

    The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with
    these Public Record Accounts bearing either a court order to place this information in my credit report, or
    my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA
    laws and guidelines, all the information listed under “Public Records” needs to be immediately deleted
    from the credit file you maintain under my name and social security number. Be further advised that I am
    closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this
    investigation as outlined per the Fair Credit Reporting Act 623(a)(3).

    Per the Federal Credit Reporting Act, Section 609(a)(1)(a), you are required by federal law to verify –
    through physical verification of the original signed consumer contract and/or judgment(s) – all
    accounts and public information that you post on anyone’s credit report. Otherwise, anyone paying for
    your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if
    this unauthorized public record information is not deleted from my credit report within the next 30 days, I
    will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.

    Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a
    small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than $5,000
    in damages for, but not limited to: 1) Defamation; 2) Negligent Enhancement of Identity Fraud; 3) Violation
    of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
    Sincerely,
    TYPE YOUR NAME Do NOT sign your name

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