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    DISPUTE REASONS-CHEAT SHEET

    Uploaded by

    Maurice Austin, Jr.
    This document provides examples of reasons and language to use in disputes submitted to credit reporting agencies regarding inaccurate or invalid information on one's credit report. It includes templates for disputing specific types of accounts such as student loans, medical bills, collections, and more. The templates assert violations of laws like the Fair Credit Reporting Act and Fair Debt Collection Practices Act and request that inaccurate information be deleted or updated.

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    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd

    DISPUTE REASONS-CHEAT SHEET

    Uploaded by

    Maurice Austin, Jr.
    1K views2 pages
    This document provides examples of reasons and language to use in disputes submitted to credit reporting agencies regarding inaccurate or invalid information on one's credit report. It includes templates for disputing specific types of accounts such as student loans, medical bills, collections, and more. The templates assert violations of laws like the Fair Credit Reporting Act and Fair Debt Collection Practices Act and request that inaccurate information be deleted or updated.

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    This document provides examples of reasons and language to use in disputes submitted to credit reporting agencies regarding inaccurate or invalid information on one's credit report. It includes templates for disputing specific types of accounts such as student loans, medical bills, collections, and more. The templates assert violations of laws like the Fair Credit Reporting Act and Fair Debt Collection Practices Act and request that inaccurate information be deleted or updated.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    1K views2 pages

    DISPUTE REASONS-CHEAT SHEET

    Uploaded by

    Maurice Austin, Jr.
    This document provides examples of reasons and language to use in disputes submitted to credit reporting agencies regarding inaccurate or invalid information on one's credit report. It includes templates for disputing specific types of accounts such as student loans, medical bills, collections, and more. The templates assert violations of laws like the Fair Credit Reporting Act and Fair Debt Collection Practices Act and request that inaccurate information be deleted or updated.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
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    CHEAT SHEET REASON

    Round 1 609 letter - REASONS I USE

    Unverifiable and inaccurate information being reported which is a FRCA violation

    Below is how I format the accounts I am disputing. Please delete anything in read when putting this on your
    letter

    Please reinvestigate this account is inaccurate and unverifiable. - Reason


    FEDLOAN- Account name
    Account Number: 8269990773FD0****
    please delete account at once- Instructions for what you want them to do

    Misleading and false information . This is a HIPPA violation you can not report medical
    information on my credit profile this a violation.
    Cedar Sinai Hospital
    Account Number: 8269990773FD0****
    This Account is inaccurate and I am seeking litigation please delete at once

    Round 2 letters when it comes back Verified :

    Validate - Reason
    FEDLOAN- Account name
    Account Number: 8269990773FD0****
    please delete account at once- Instructions for what you want them to do

    Validate Prove it with a wet signature this debt belongs to me. This information is inaccurate
    Cedar Sinai Hospital
    Account Number: 8269990773FD0****
    Please remove from my credit profile
    CHEAT SHEET REASON
    Late payments- If they account is open and you have late payments. The reason you would put is - Paid as agreed
    on time I was never late and this is inaccurate and a FCRA violation. Please update to 100% paid on time.

    If you have a collection account with a late payment thats a FCRA violation and you can delete the account or
    update the late payments.

    Student Loans - Please investigate that this account is reporting 100 accurate i see so many errors which is a FCRA
    violation

    If the account has the same account number more than once put- this account is a duplicate and that is a FCRA
    violation

    Credit Card Charge offs and collections-FDCPA section 807 Violation misleading false reporting

    Auto Loans -FDCPA section 807 Violation misleading false reporting.

    Child Support -Child support is civil and there is no contract amount stated is not valid.. pls provide physically
    proof. I don't owe possibly someone with a similar name..

    Bankruptcy - The courts do not report to credit bureaus this information is unverifiable and inaccurate/ invalidated
    account

    Medical bills - Misleading false information This a HIPPA violation you can not report health information on my
    credit reportOpen accounts reporting late payments -

    The account status = Open paid as agreed on time i was never late this is inaccurate. Please update to 100% on
    time .

    When an account doesnt have a name- This account doesnt have a company name being reported which is a
    FCRA violation

    Inquiries- Invalidated/unauthorized inquiry – please delete from my credit report.

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