Send this letter:
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You
Address
City,State Zip Code
Phone Number
OC
C/O Bank President Name
Address
City, State Zip Code
Tuesday January 27, 2004
This letter is to inform you that you are reporting incorrect information in my Equifax credit report. The account in dispute was discharged in Chapter 7 Bankruptcy in 2002. My Equifax credit report shows that you have this account listed as "Charge Off/Bad Debt". This is totally inaccurate information. The Fair Credit Reporting act allows only for completely accurate information to be reported. You are in complete violation of that act by reporting this account as "Charged Off". You are also reporting a balance of $16,320 and $7,539 as past due. By Chapter 7 US Bankruptcy law, this account was granted a full discharge of all debts and obligations. This means that the balance and past due amounts should be $0.00. This is another violation of the FCRA (Fair Credit Reporting Act) and US Bankruptcy laws. I disputed this account with Equifax on January 2, 2004. They notified me by mail that this item was verified as accurate by you this month, January 2004. This is another violation of the FCRA. The FCRA allows for statutory damages of $1000 PER violation cited. Since this requires no investigation by you, I demand the complete deletion of this information from my Equifax credit report within 15 days of the receipt of this notice. I look forward to resolving this matter amicably without pursuing legal means.
You
