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Method of Verification Alternative

The document provides a template dispute letter to send to a credit bureau requesting verification and documentation of an investigation into a disputed item on a credit report. The letter requests specific details about the investigation conducted by the bureau, including what documents were reviewed, what parties were contacted, and correspondence related to the investigation. It demands that the bureau permanently remove the disputed item if it cannot provide all of the requested information and documentation to verify its investigation was properly conducted.

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Roberto Monterrosa
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211 views2 pages

Method of Verification Alternative

The document provides a template dispute letter to send to a credit bureau requesting verification and documentation of an investigation into a disputed item on a credit report. The letter requests specific details about the investigation conducted by the bureau, including what documents were reviewed, what parties were contacted, and correspondence related to the investigation. It demands that the bureau permanently remove the disputed item if it cannot provide all of the requested information and documentation to verify its investigation was properly conducted.

Uploaded by

Roberto Monterrosa
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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[When the bureau responds to your dispute and request for verification/validation, their

response may be vague. For instance, they will sometimes just say “verified” without offering
actual proof. When this happens, you have the right by law to challenge how the credit bureau
came to the decision. FCRA Act Section 611, gives you the right to request an explanation of
the verification method used by the CRA. If either party has the records you can request a copy
under the FACTA act, SEC 312 (b) and (c). This document will need modifications depending
on the situation. See the notes below (in bold). Add those modifications when you're in the final
step of the CRC Dispute Wizard 3 (the final viewer/editor page) and then delete these
instructions]

{bureau_address}

Attn: Customer Relations Department

{curr_date}

[TodaysDate]

[RecipientName]

Re: {dispute_item_and_explanation} [Manually modify this line when you're in the final step of
the dispute wizard (editor page)]

To Whom It May Concern:

I am concerned about the validity and accuracy of your recent investigation of these accounts
that are reporting on my credit report. Last month I requested an investigation because I felt the
item was not being reported legally. Couple of days ago I received a letter stating that your
investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you
are reporting this item as it
legally should be reported?
2.What certified documents were reviewed to conclude your investigation?
3.Please provide a complete copy of all of the information that was transmitted to the data
furnisher as part of the investigation.
4.What did it cost your company to obtain the documents needed to complete your
investigation?
5.Please provide proof of your timely procurement of certified documents.
6.Did you speak directly to any agent of the company that was reporting the information to
confirm the accuracy of what you are reporting?
7.If yes to above:
a.Who did you speak to?
b.On what date?
c.How long was the conversation?
d.What was their position?
e.What telephone number did you call?
f. What is the name of the employee of your company that spoke directly to the above
party?
g.What is the position of the employee of your company that spoke directly to the above
party?
h.How long has that employee been employed by your company?
i.What formal training was provided to this employee to investigate items of this kind?
j.Was there any e-mail or written communication between members of your company and
the above party?
8.If so, please provide copies of all correspondence; supply copies of any and all conclusive
documentation to prove that
you have in fact conducted a reasonable investigation of the account in question.
9.Provide the date of the commencement of delinquency
10.Provide the SPECIFIC date reporting that these items will cease

Enclosed with your response to the above questions I respectfully request a notarized affidavit
confirming the information that is provided is true and correct as per my civil rights granted
under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template
response will not be an acceptable response. If you cannot supply ALL of the above information
in a timely manner as detailed in several laws, including but not limited to the Fair Credit
Reporting Act, I must immediately demand the permanent removal of this item from my credit
report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe
financial and emotional distress. If you choose not to provide the above requested deletion or
requested/required documentation of your investigation, I will pursue the enforcements of
my constitutional rights via federal court proceedings. As you are well aware this information will
come out through my formal discovery process, and necessary depositions. I have recently
studied constitutional consumer protection laws along with civil/federal court procedures. I will
represent myself pro-se and will formally request a jury trial.

Please respond accordingly,


{client_signature}

{client_first_name} {client_last_name}
{client_address}
{bdate}
{ss_number}

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