FCRA Violation Demand Letter - Colorado

FCRA CLAIM-PREPARATION PACKET — COLORADO

NOT A DEMAND LETTER. DO NOT SEND THIS PACKET TO A CONSUMER REPORTING AGENCY, FURNISHER, USER, COURT, OR GOVERNMENT OFFICE. It is an attorney-review workspace for organizing facts and evidence. Counsel must select and verify every claim, defendant, deadline, remedy, recipient, and requested action before preparing a separate communication.

1. MATTER CONTROL

Review status

☐ Identity and contact information confirmed from current records
☐ Full reports obtained from every relevant consumer reporting agency
☐ Disputes, delivery records, responses, and enclosures collected
☐ Alleged inaccuracy compared with reliable source documents
☐ Each proposed defendant's role analyzed separately
☐ Federal claims researched from current official sources
☐ Colorado claims researched from current official sources
☐ Limitations and other deadlines calculated by counsel
☐ Remedies and requested action approved by counsel
☐ A separate communication is authorized for drafting

2. CONSUMER AND REPORT IDENTIFICATION

Consumer name: [________________________________]
Prior names or aliases appearing in the file: [________________________________]
Current address: [________________________________]
Prior relevant addresses: [________________________________]
Telephone: [________________________________]
Email: [________________________________]
Date of birth: [__/__/____]
Last four digits of SSN: [____]

Do not place a full Social Security number, full account number, password, or authentication answer in this working copy unless the firm's approved security process requires it.

3. PARTICIPANT AND ROLE MAP

Do not treat a consumer reporting agency, information furnisher, and report user as interchangeable. Record conduct and evidence for each participant before counsel assigns a legal theory.

4. DISPUTED ITEM WORKSHEET

Complete a separate row for each item and each reporting agency. Describe the evidence; do not label an item “inaccurate,” “fraudulent,” or “unverifiable” merely because the consumer disagrees with it.

5. DISPUTE CHRONOLOGY

For a dispute sent to a consumer reporting agency, 15 U.S.C. § 1681i(a)(1)(A) uses receipt of the dispute notice as the starting event for its 30-day reinvestigation period. Section 1681i(a)(6)(A) separately addresses written notice of results after completion. Record facts and source documents here; counsel must determine how the complete statute applies, including any exception or extension.

Dispute-content inventory

☐ Exact disputed item identified
☐ Consumer's position stated without exaggeration
☐ Supporting documents listed
☐ Complete outgoing packet preserved
☐ Delivery and receipt evidence preserved
☐ Complete response and enclosures preserved
☐ Post-response report preserved

6. ADVERSE-ACTION EVIDENCE

15 U.S.C. § 1681m(a) addresses duties when adverse action is based in whole or in part on information in a consumer report. Section 1681m(h)(8) states that §§ 1681n and 1681o do not apply to a failure to comply with § 1681m. This packet does not characterize a notice issue as a private damages claim.

7. HARM AND CAUSATION LOG

Record concrete evidence. Do not assign a legal measure, multiplier, statutory amount, fee entitlement, or punitive label in this packet.

8. EVIDENCE INDEX

Preservation record

☐ Original files preserved without alteration
☐ Email headers and attachments preserved
☐ Online portal screenshots include date and URL
☐ Voicemails or recordings handled under approved law and policy
☐ Metadata or export files preserved where material
☐ Custodian and storage location recorded
☐ Privileged attorney work product stored separately where required

9. COUNSEL'S CURRENT-LAW RESEARCH GATE

This section must be completed before a separate demand, complaint, agency submission, or settlement proposal is drafted.

10. DRAFTING AUTHORIZATION

Authorized next document: [None / factual dispute / attorney demand / agency complaint / civil complaint / other: ________________________________]

Approved recipient: [________________________________]
Approved factual assertions: [________________________________]
Approved legal theories and pinpoints: [________________________________]
Approved requested action: [________________________________]
Approved response date and basis: [________________________________]
Approved reservation language: [________________________________]

☐ No draft authorized; additional evidence or research is required
☐ Draft authorized subject to final attorney review
☐ Final communication approved and stored separately

Reviewing attorney: [________________________________]
Colorado attorney registration number: [________________________________]
Signature: [________________________________]
Date: [__/__/____]

SOURCES AND REFERENCES

• 15 U.S.C. § 1681i — Procedure in case of disputed accuracy
• 15 U.S.C. § 1681m — Requirements on users of consumer reports

This packet is for informational purposes only and does not constitute legal advice. A qualified Colorado attorney must review and approve any separate communication or filing.