Sample Letter
Reminder to Respond

Date

Address

RE: Reminder to Respond

Dear Sir/Madam:

Thirty days ago you received my letter disputing several items listed in my credit report, issued by your firm. The items were inaccurate and incomplete. I have attached the original letter.

Note that 30 days is considered a "reasonable time" under the Fair Credit Reporting Act, 15 USC 1681i, for responding to my request for reverification of the erroneous items. Since you did not immediately write to inform me of the need for additional time, I presume you accepted the 30 day time limit.

I have not received a reply form you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or it could not be reverified. In either case, according to the provisions of 15 USC Section 1681i (a), the items must be deleted immediately.

Please respond immediately so that I do not need to pursue my legal rights under 15 USC Section 1681n or 1681o, which require your compliance with the law.

Also, poursuant to 15 USC Section 1681i (d) of the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an updated copy of my credit report to the below address, as well as to any other party that has inquired about my credit rating in the last six months. According to the provisions of 15 USC Section 1681j, there should be no charge for notification of changes on my credit report.

Sincerely,

name
address, city, state, zip
social security number