CRA Follow-Up – Nonresponse or Incorrect Verification - California - Free Editor
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/state AG 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: California consumer reporting laws may provide additional remedies; cite as appropriate.]
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