Credit Bureau Dispute and Reinvestigation Request - California - Free Editor
CREDIT DISPUTE AND REINVESTIGATION REQUEST
To: [CRA Name/Address]
From: [Consumer Name/Address]
Date: [DATE]
SSN/Last 4: [####]; DOB: [MM/DD/YYYY]
1. DISPUTED ITEMS
| Furnisher | Account No. | Reason for Dispute | Requested Correction |
|---|---|---|---|
| [Name] | [####] | [Not mine/paid in full/incorrect balance/obsolete/identity theft/etc.] | [Delete/Update/Mark paid/Mark disputed] |
2. BASIS AND EVIDENCE
- Explanation of why each item is inaccurate or incomplete: [Brief, item-by-item].
- Supporting documents: [Payment proofs, settlement letters, police report/identity theft affidavit, correspondence, court orders].
3. REQUEST
- Conduct a reasonable reinvestigation under 15 U.S.C. § 1681i, correct/delete inaccurate or unverifiable information, and send me an updated report and results.
- Notify furnishers of the dispute and corrections.
- Complete this reinvestigation within thirty (30) days as required by 15 U.S.C. § 1681i(a)(1).
- If any item is verified, provide the method of verification and furnisher contact info.
- If you cannot verify a disputed item, delete it promptly.
- If any disputed item remains after investigation, I reserve my right to add a consumer statement under 15 U.S.C. § 1681i(b).
4. IDENTITY/ADDRESS VERIFICATION
- Included: copy of government ID, proof of address (utility bill/bank statement), and recent CRA report pages highlighting disputed items.
DELIVERY
- Sent via certified mail, return receipt requested. Tracking No.: [NUMBER].
- Retain copies of this letter, all attachments, and proof of mailing.
Signed:
[Consumer Name]
[// GUIDANCE: California consumer reporting laws may provide additional dispute rights; cite as appropriate.]
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