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C. Sample Letters

Your Address

Telephone Number

Social Security Number

Date

Reporting Agency

Address

To Whom It May Concern

On (date) I was notified by (specify) that my application for credit had been rejected. Enclosed is a copy of the notice.

Pursuant to the Fair Credit Reporting Act, please immediately send me a copy of my present credit file and summary history. I understand that there will be no charge for this service.

Since my credit is being wrongly impaired and time is of the essence in correcting any inaccurate or incomplete information that may be contained in my file, I request that you promptly provide me with the report so that corrective action may be taken. This can be done via a telephone appointment if you prefer, and I thank you for your prompt attention and assistance in this matter,

Very truly yours,

(Signature)

[Send certified mail, return receipt requested.]

Your Address

Telephone Number

Date

(Send certified mail, return receipt requested.]

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FIGURE 3.4 Sample Letter Requesting Verification of Debt

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Your Name

Address

Date

 

Name

Title

ABC Collection Agency

Address

Re: Request for written verification of my disputed debt with (name of creditor)

Dear (Name):

On (date), you contacted me by (letter, phone, telegram, in person)

concerning a purported debt I owe to (name of creditor).

I do not owe such a debt because (billing error, merchandise returned, merchandise damaged, merchandise unsatisfactory).

I will be contacting (name of creditor) in an effort to resolve this matter. In the meantime please:

1.  Verify the amount of the alleged debt with (name of creditor).

2.  Send me a copy of the written verification.

3.  Stop all collection efforts until I receive a copy of this written verification.

   Thank you for your cooperation.

Very truly yours,

(Signature)

cc: creditor

[Send certified mail, return receipt requested.]

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FIGURE 3.5 Sample Letter Protesting Credit Harassment

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Your Name

Address

Date

 

Director

Regional Office

Federal Trade Commission

(Address)

Re: Violation by (name of agency) of the Fair Debt Collection Practices Act

Dear (Name):

I am writing to you regarding the unfair practices of (name of agency)

located at (address).

On (dates) I was harassed by said agency (explain how). This arose out of a disputed debt with (name of creditor).

I (state what you told the agency, whom you spoke with, and why your requests have not been honored).

I enclose copies of correspondence with (name of agency). I would appreciate it if you would look into this matter to eliminate such outrageous conduct.

You can reach me at the above address if you need further information. Please notify me of all developments in this matter.

Thank you for your cooperation.

Very truly yours,

(Signature)

 

cc: collection agency, creditor

[Send certified mail, return receipt requested.]

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