ROUND 1 BUREAU LETTER

Today’s Date: Enter Date

Your Name
Address
City, State Zip
SSN: 123-45-6789
DOB: 1/1/1984

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256 OR Choose one address
Then DELETE other
2

Experian
P.O. Box 4500
Allen, TX 75013 OR

Trans Union
Consumer Dispute Center
P.O. Box # 2000
Chester, PA. 19016-2000

Attention: Customer Complaints Department

Special Request: Please Forward to a Live Agent to Handle. I don’t want any
data or information left out when forwarding to furnishers due to your
automation system restrictions, limitations or any other issues with your data
governance.
WE ALL KNOW COMPUTERS CAN ALSO MAKE SOME COSTLY MISTAKES AT
TIMES.
Thanks for forwarding!

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete

information, and accounts that are Un-Verified. According to the Fair Credit
Reporting Act, Section 611 (5)(A) of the FCRA – you are required to promptly
DELETE all information that is inaccurate, incomplete, or which cannot be
verified.

It is also my understanding that Under the FCRA 15 U.S.C. § 1681i, every single
one even each any or all of the unproven, non-compliant, incomplete, untrue,
incorrect, and or unverified aspects of any alleged derogatory accounts must be
promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO

ANNUL with PERMANENT DELETION of these derogatory accounts or provide
testimony and certification that you are adhering to mandated Metro 2 data
formatted reporting standards according to regulations.
Failure to take appropriate actions to remedy this matter will lead to my civil right to
file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is
permitted to keep any non-compliant information, particularly upon it being
challenging any or all of the excerpts, dated assignments, ledger balances, audited
details, documents of identification, each of the 426- character format fielded P6
statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes.
Further certificate firmly every single one even each any and or all of the minimal five
(5) portioned personal identifiers, and even the unabbreviated 386 pieces of
confirmation to collect.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED,

INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY,
or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or
standards and MUST be removed immediately, do so TODAY, even right NOW! The
obvious infractions are as follows:

Name of Alleged Creditor: Name of Creditor/Collector

Alleged Account Number: Enter account number
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven,
NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified
Account. If not, please provide physical proof of verification, along with the
requested items within the full context of this correspondence.
Dispute Reason: (I don't recall having any business transactions or dealings with this
company and/or original creditor.)

Name of Alleged Creditor: Name of Creditor/Collector

Alleged Account Number: Enter account number
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven,
NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified
Account. If not, please provide physical proof of verification, along with the
requested items within the full context of this correspondence.
Dispute Reason: (I don't recall having any business transactions or dealings with this
company and/or original creditor.)

Name of Alleged Creditor: Name of Creditor/Collector

Alleged Account Number: Enter account number
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven,
NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified
Account. If not, please provide physical proof of verification, along with the
requested items within the full context of this correspondence.
Dispute Reason: (I don't recall having any business transactions or dealings with this
company and/or original creditor.)

Name of Alleged Creditor: Name of Creditor/Collector

Alleged Account Number: Enter account number
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven,
NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified
Account. If not, please provide physical proof of verification, along with the
requested items within the full context of this correspondence.
Dispute Reason: (I don't recall having any business transactions or dealings with this
company and/or original creditor.)

PLEASE NOTE
This letter may be provided to the Consumer Financial Protection Bureau (“CFPB”)
and I am fully aware that they are authorized to investigate this matter. If you fail to
comply with this letter, this matter may be turned over to an attorney. I don't recall
having any business transactions or dealings with these companies. I am asking that
you have the creditors provide evidence the accounts belong to me and should be on
my credit report, in addition, to show that my rights have not been abrogated. I'm
asking each to verify that the creditors have a signed contract or paperwork from me or
related to me in any fashion. Unless this paper is produced or the account is
unverifiable by each creditor, I required that the accounts in question are updated and
deleted to reflect the proper reporting standard.

*THESE ITEMS are DAMAGING MY FINANCIAL REPUTATION

and MUST be DELETED AT ONCE.

Under Section 611, I am requesting the following:

If the above items are not deleted or you and/or the furnisher determine they are
“verified” after your investigation, I am requesting:
• A description of the procedure used to determine the accuracy and
completeness of the information. Please provide me a complete copy of
all the information that was transmitted to the data furnisher as part of
the investigation, as required by FCRA:
• Who did you speak with?
• What was the date?
• How long was the conversation?
• What was their position?
• What number did you call?
• What is the name of your employee that spoke directly to the
creditor?
• What is the position of your employee that spoke to the creditor?
• Please include the business name and address of any furnisher of
information contacted in connection with such information and the
telephone number of such furnisher.
• What certified documents were reviewed to conclude your investigation?

Enclosed with your response to the above questions, I respectfully request a

notarized affidavit confirming the information that is provided is true and
correct as per my civil rights granted under several federal laws. This
information should not come as an automated letter response.

PLEASE SEND THE REQUESTED ITEMS WITHIN THIS CORRESPONDENCE

TO THE FOLLOWING ADDRESS:
You Name
Address
City, State, Zip Code

Note: * Please remove all non-account holding inquiries over 30 days old.
* Please add a Promotional Suppression to my credit file.
To Whom It May Concern,
Please note: The personal information listed below requires attention

My Accurate legal full name is exactly: {Your first and last name ONLY!!}

I do NOT want any name other than what I listed above to be retained or reported.

Please delete any other names that infringes on my consumer rights OR provide
evidentiary
PROOF the legal right to retain such information.

My Accurate complete address is: {your street number} {your street name}, {your
city},
{your state} {your zip}

I do NOT want any address other than what I listed above to be retained or reported.

Please delete any other addresses that infringes on my consumer rights OR provide
evidentiary
PROOF the legal right to retain such information.

My Accurate FULL legal Social Security is: complete address is: {your ssn}

If any other social security number is listed other than what was typed above was
NOT provided by me and should NOT to be retained or reported. If any other social
security number is listed, please delete it at once or provide evidentiary PROOF
the legal right to retain such information.

My Accurate Full Date of Birth is {your dob}

If any other date of birth is listed other than what was typed above was NOT
provided by me should NOT to be retained or reported. If any other date of birth is
listed, please delete at once or provide evidentiary PROOF the legal right to
retain such information.

As you are aware, federal and my state laws dictate that all claims be physically
proven to its 100% truthfulness, 100% correctness, 100% completeness, 100%
timeliness and 100% in compliance otherwise every single item even each or all of
the related regulations, mentioned or that if any or each item being reported is
challenged for its legal reportability in which case and I am doing such, I demand as
my legal rights allows that you follow what’s mandated and required of Data
Furnisher’s to demonstrate in unabridged sufficiency of the facts exactly as
composed and relayed to you. This includes substantial display of all law requisites
such as proof of documented identity of the individual alleged as having ownership
or proven responsibility of alleged accounts which are still making unfounded claims
in my report.

I am seeking every notation, date, balance, total,426-CHRC, P6 statement, identifier,

and all 386 pcs of confirmation, notes as well as anything even unknown to be
provide with required documentation. Otherwise DELETE PROMPTLY if there are any
deficiency to provide requested information as Federally defined in a timely manner.

I am sincerely appreciative to your full attention to my request; and your

cooperation in speedily bringing my credit report into Compliance. Have an
awesome day!

Thank You,

Name

NOTARY

State of _________________________
County of _______________________

I hereby represent that all above and/or attached information is true and accurate.

___________________________________________
Signature: (Sign in the Presence of a Notary)

I hereby certify that on this _____day of ____________________, 20_______

personally appeared before me the signer and subject of the above form, who signed or
attested to the same in my presence, and presented the following form of identification
as proof of his or her identity:______________________

Notary Public: ____________________________________________

My Commission Expires: ____________________________________
Notary Public Signature: ____________________________________
SEAL

Remember to remove any highlights or

information that shouldn’t be included before
sending! Remove brackets, comments,
directions etc. or anything that was for your
information only! Read the letters first before
sending to make sure you didn’t miss anything
or that you filed in the information correctly or
 that it pertains to your unique and individual
situation. Customize as needed!
Attach ID Documentation here (Remove this line before
printing)
Attach and Include the Following Documents -Then
Delete This
A Copy of Your Driver’s License (Driver’s License,
Passport or State ID Card)
Social Security Card
Recent Utility Bill or Bank Statement, Not more than 60
days old