Please Proof/Correct/Change/Etc my Dispute Letter to CRA

[Anonymous]

NAME: Joe Consumer SSN:XXX-XX-XXXX
DOB: 00/00/1900
Experian Report Number: xxxxxxxxxxx

ADDRESS: 100110 Your St
Your Town, ST XXXXX

Re : Trade Line #1 with account # 1x1x1x1x1x
Trade Line #2 with account # 1x1x1x1x1x
Trade Line #3 with account # 1x1x1x1x1x
Trade Line #4 with account # 1x1x1x1x1x
Trade Line #5 with account # 1x1x1x1x1x
------------------------------------------------------------------------------------------------ To whom it may Concern (Experian) :

Please provide, validate, request, or verify documentation that the following Trade Lines belong on my credit report and that my rights under the Fair Credit Reporting Act have not been neglected. Otherwise please delete this damaging data from my credit report.
I believe these accounts may also be beyond the Minnesota Statute of Limitations §541.05, which is 6 years. Please verify this as well.

Trade Line #1 with account # 1x1x1x1x1x
Trade Line #2 with account # 1x1x1x1x1x
Trade Line #3 with account # 1x1x1x1x1x
Trade Line #4 with account # 1x1x1x1x1x
Trade Line #5 with account # 1x1x1x1x1x


Please verify with proper documentation that the above 5 trade lines or delete this damaging information from my credit report immediately.

Sincerely,

Joe Consumer
---------------------
(FYI - where it says Trade Line # X, on my letter I have the actual creditor that is reporting on my CR)
-------------------

THANK YOU IN ADVANCE!!!

[Anonymous]

the one mistake I saw was about Minn.  Statute of Limitations.   States SOL's and the allocated time for reporting to the CRA are two entirely different things.    Your state's SOL is time when the creditor is legally allowed to sue you in court.    the 7 years reporting time for CRA is just that.   State's SOL can be shorter than the CRA 7 years. 

[Anonymous]

So, would it be better to leave the MN SOL out of the letter all together?
Or is there another way to state this type of SOL?

[Tuscani]

Exclude MN entirely. And see:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=8713

Simple dispute letter:

[Date]

[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Date of birth]
[Social Security number]



[Name of Credit Reporting Agency]
[Address]
[City, State, Zip Code]

Dear Sir or Madam:

I am writing to dispute information on my credit report. The items I wish to dispute are listed below and also highlighted on the attached copy of my credit report

[List the items that you feel are inaccurate including the type of accounts, names of the financial institutions, and full or partial account numbers. Include what changes you feel should be made.]

Enclosed are copies of [payment records, credit report, letters from the creditor, court documents, etc.] supporting my dispute. Thank you for investigating this matter.

Sincerely,


[Signature]
[Your full name]

[Anonymous]

THANK YOU FOR ALL YOUR HELP!!!

I guess they are not past the 7 year SOL for reporting.
They are just past the 6 year SOL for State of MN.

So, I don't suppose that it would be helpful to dispute that....
"I believe these are past the SOL...."?

[Anonymous]

Honestly, I think bringing up the SOL might just annoy them so if they were inclined just to delete they may not.  Just my two cents.

[Tuscani]

---

HomeBuyer44 wrote:
THANK YOU FOR ALL YOUR HELP!!!

I guess they are not past the 7 year SOL for reporting.
They are just past the 6 year SOL for State of MN.

So, I don't suppose that it would be helpful to dispute that....
"I believe these are past the SOL...."?

---

Correct.. the State SOL means nothing in terms of the reporting SOL defined by the FCRA.

[Anonymous]

OK - here is my "New" Letter - if anyone can comment please?

Date: June 15th, 2007

NAME: xxxxxxxx SSN:XXX-XX-XXX
DOB: 00/00/1900
ADDRESS: YOUR STREET
YOURTOWN, ST 11XX1
------------------------------------------------------------------------------------------------------------

Dear Experian,

I am sending this dispute certified mail # ___________ to make sure you receive it.

I have no record of the following Trade Lines that appear on my Credit Report:

Listed Account Name with account # 1X1X1X1X1X
Listed Account Name with account # 1X1X1X1X1X
Listed Account Name with account # 1X1X1X1X1X

Please advise me as to the name and address of the original creditor, the name of the current account holder, and the reported date of first delinquency, as any account I might have had at one time may now be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies, if necessary.

I am requesting this information pursuant to my rights under the Fair Credit Reporting Act.

If you are unable obtain the requested documentation for these trade lines, please delete this damaging information from my credit report immediately.


Very truly yours,

[Anonymous]

first thing I saw wrong was  "  am sending this dispute certified mail # ___________ to make sure you receive it"   you do not want to sound hostile, even if that wasn't your intention..   It can very well be taken in the wrong context and you want to work with them not have them already have a pre-conceived notion about you and your letter could find it's way to the bottom of the pile.

They already know it's a cert. letter no need to remind them and leave anything open to interpretation.

 I'd remove it.

[Anonymous]

I will remove that "Cert Mail ...." part.
Anything else?

THANKS!!!