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Regular Contributor
Posts: 119
Registered: ‎12-04-2009
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Equifax dispute letter help, please critique!

So here is the letter I wish to send to Equifax please critique.Also do I send it certified mail???

 

Dear Equifax:

Thank you for the quick response to the credit reporting error that I brought to your attention on 2/15/2010. The conformation for my dispute is XXXX. After reviewing the information provided to Equifax from Bank of America I would like to dispute under FCRA 611(a) the inclusion of late payments reported by them on a closed account. After the account was charged off and closed by the creditor in August 2005 there are numerous late payments being reported. I would also like to request the method of verification on this account. 

Thank you for your prompt attention to this matter. 

Sincerely,

XXXX

 

 

Started at 586 EQ and 604 TU in 8/2009
565 EQ Oct 09
614 EQ Dec 09
624 EQ Feb 10 ---604 TU Jan 10
643 EQ March 10 --from lender
Current 573 TU (myfico) 632 EQ (from lender) Jan 11

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