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