FOLLOW-UP: FAILURE TO PROPERLY REINVESTIGATE / INCORRECT VERIFICATION
To: [CRA Name/Address]
From: [Consumer Name/Address]
Date: [DATE]
Re: Prior Dispute dated [DATE] (Certified Mail Tracking [NUMBER])
1. BACKGROUND
- On [DATE], I disputed the items listed below. You [did not respond within 30 days / verified without correcting inaccuracies].
2. DISPUTED ITEMS (RESTATED)
| Furnisher | Account No. | Dispute Reason | Requested Action |
|---|---|---|---|
| [Name] | [####] | [Not mine/paid/incorrect balance/obsolete/ID theft/etc.] | [Delete/Update/Mark disputed] |
3. FCRA OBLIGATIONS
- Under 15 U.S.C. § 1681i, you must conduct a reasonable reinvestigation within 30 days and delete or correct information that is inaccurate or cannot be verified.
- If verified, you must provide the method of verification and furnisher contact information.
4. DEMAND
- Perform a proper reinvestigation and either delete or correct the disputed items.
- Provide the method of verification for any item you continue to report, including furnisher name, address, and phone.
- Update and send an accurate credit report reflecting corrections/deletions.
5. RESERVATION AND ESCALATION
- If you fail to comply, I may file complaints with the CFPB/Alaska Attorney General and consider legal remedies. I reserve all rights under the FCRA.
6. ATTACHMENTS
- Prior dispute letter and proof of delivery.
- Evidence supporting inaccuracy (payments, settlement letters, police report/ID theft affidavit, correspondence).
- Current report pages highlighting disputed items.
Signed:
[Consumer Name]
Sent via certified mail, return receipt requested.
[// GUIDANCE: Alaska does not have a separate state credit reporting law; federal FCRA applies.]
Do more with Ezel
This free template is just the beginning. See how Ezel helps legal teams draft, research, and collaborate faster.
AI that drafts while you watch
Tell the AI what you need and watch your document transform in real-time. No more copy-pasting between tools or manually formatting changes.
- Natural language commands: "Add a force majeure clause"
- Context-aware suggestions based on document type
- Real-time streaming shows edits as they happen
- Milestone tracking and version comparison
Research and draft in one conversation
Ask questions, attach documents, and get answers grounded in case law. Link chats to matters so the AI remembers your context.
- Pull statutes, case law, and secondary sources
- Attach and analyze contracts mid-conversation
- Link chats to matters for automatic context
- Your data never trains AI models
Search like you think
Describe your legal question in plain English. Filter by jurisdiction, date, and court level. Read full opinions without leaving Ezel.
- All 50 states plus federal courts
- Natural language queries - no boolean syntax
- Citation analysis and network exploration
- Copy quotes with automatic citation generation
Ready to transform your legal workflow?
Join legal teams using Ezel to draft documents, research case law, and organize matters - all in one workspace.