I sent a letter out to each of the 3 agencies, all similar, but slightly different depending on the circumstances with each report. This is the letter I sent to TU. My question is: should I have sent 4 different letters to TU, one for each problem (collection, late payment, inquiries, addresses), or is this way fine?
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Dear Sir or Madam:
I have recently received a copy of my credit report from your agency. I am writing to your agency because after looking at my credit report, I have found several inquiries which I do not recall authorizing. I am requesting that the unauthorized inquiries be investigated and either proof of my authorization be returned to me or that the inquiry be removed from my report. The inquiries in question are as follows:
GEMB/Dillards 5/6/06
Ed Morse Chevrolet 12/15/06
WF Bank 12/19/06
Americredit 12/19/06
COAF 12/19/06
Washington Mutual 7/25/07
In addition, a collections account from Credit Protection Association (account xxx) is still listed on my TransUnion credit report, but has been removed from both my Equifax and Experian reports. I am requesting that this account be removed from my TransUnion report as well. A copy of a letter I received from CPA is attached stating that the account is to be deleted from my report.
I have also noticed a thirty day late payment on my credit report in November 2007 for my Capital One account. I am further requesting that your agency investigate the due date and actual payment date during this period. If Capital One does confirm that this late payment is accurate, please provide a copy of their paperwork proving so. If they are unable to confirm a late payment within thirty days as required by law, please update my credit report to show all on-time payments for this account.
In addition, I would like to request that my address history be upated as follows:
Xxx
Xxx
Xxx
Thank you in advance for taking the time to investigate and correct these matters. I look forward to hearing back from your agency. If you have any questions, please feel free to contact me via electronic mail (xxx) or postal mail.
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