Sample Letter
Final Follow-up on Failure to Respond

Date

Address

RE: Final Follow-up on Failure to Respond

Dear Sir/Madam:

On __________, 19__, I sent you a follow-up letter pointing out that you had failed to respond to my disputes of certain items found on my credit report, issued by your company.  Copies of that letter and the original dispute letter are attached.

To date you still have not fulfilled the intent of the Fair Credit Reporting Act, which requires your bureau, as a consumer reporting agency, to maintain and ensure that information “is fair and equitable to the consumer.”

Also, the law stipulates that bureaus will maintain “accuracy, relevancy and proper utilization of such information” (15 USC Section 1681e).

These requirements have not been met by your actions.  You have not given me evidence that you have acted in a prompt or “fair and equitable” manner. 

1.  You have not submitted evidence of investigation by giving me names and address of persons contracted, nor have you removed anything found inaccurate.

2.  You have not removed any item for which no verification could be found within the 30 days “reasonable time”.

3.  You have not taken care to maintain the accuracy, relevancy and proper use of information in my file. 

I still dispute the items given on my attached letter.  I expect an appropriate response on or before _____________, 19__   for each item.  Otherwise I must contact the Federal Trade Commission, the Subcommittee on Banking, Credit and insurance and your ______ Regulatory agency.

I also expect the names and addresses of individuals you contacted to verify the information so I may follow up on any item.

Sincerely,

name
address, city, state, zip
social security number