If you are a consumer who has recently had trouble with Equifax’s credit reporting service, read this article to learn how to write an effective dispute letter and send it back to the Consumer Reporting Agency.
The need for Credit Monitoring
Be proactive when it comes to your credit score. By monitoring your credit reports and credit scores regularly, you can take steps to improve your credit rating and protect yourself from potential financial setbacks.
Request a copy of your credit report once every 12 months. This will allow you to monitor any changes that occur to your report and make any necessary changes to your credit file.
Keep copies of all of your credit reports in a safe place. If you ever receive a communication from Equifax about an error on your account, be sure to have a copy of each letter or email so that you can respond directly.
5 tips on how to demand Equifax remove Misleading or Inaccurate Accounts
Here are five tips on how to demand Equifax remove misleading or inaccurate accounts:
- Contact Equifax Customer Service — Contacting Equifax customer service can be a powerful way to get a derogatory account(s) removed. You can dispute the credit report online or in writing by sending a physical dispute letter through certified mail. The second option is the best way for the court evidence if necessary. You may need to provide evidence such as copies of letters or emails from other lenders confirming that the information in your report is accurate.
- File a Complaint with the Federal Trade Commission — If you feel that Equifax has not been adequately protecting your data, you can file a complaint with the Federal Trade Commission (FTC). This will help to ensure that Equifax takes action in regard to your account.
- Contact Your State Attorney General — Many states have laws that protect consumers from being misled. When you contact the state attorney general, you will need to provide them with information regarding your Equifax account. You can then ask that they open a formal investigation into the matter.
- Call a Lawyer if you believe Equifax violated your civil rights.
- Lastly, if you have proof that your account has been used for identity theft purposes, then filing a police report could also result in the removal of your accounts from Equifax’s system. Taking these steps will help ensure that you get the most out of the damage caused by Equifax’s breach and put an end to any confusion or embarrassment related to it.
An Effective Dispute Letter Template
You can use this sample template to draft a letter. Your document should clearly identify each item you dispute. Complete the form, then mail it to Equifax.
Please, follow the link https://pdf.ac/w2jIZ to open the document form. Now, you can start to fill out the form:
- Begin with your First and Last name at the top;
- Next, enter your current address, the same address as mentioned in your ID or Driver's License;
- Choose the Document Date;
- Scroll down, and enter your First and Last Name exactly as they appear on the Driver's License or ID;
- Then, input your Social Security Number and Date of Birth;
- Now, enter your Current Address again;
- Next, enter your Phone Number;
- And an Email Address you own;
- Under the text “Sincerely”, need to enter your First and Last Name again;
- Now, you need to provide copies of two forms of identification. Upload your ID or Driver's Licence copy to the document left side and your Social Security Card to the right side;
- Next, scroll to the 3rd page — Exhibit A
- In the table, you can start filling up all disputed items such as derogatory accounts, wrong addresses, employer names, or any incorrect information reported by Equifax. Remember, under FCRA you have the legal right to investigate one or numerous accounts in your consumer report, and Equifax should comply with your demands;
- Lastly, in the Notary section, please enter your First and Last Name again.
Good job, your document is ready! Check your personal information one more time, and tap the BUY button. Proceed with the payment to download and print out the document from your computer.
Before the final step, you need to notarize your document. Be sure to keep the original copy of the letter for your records. For your convenience, please use the online notary service, by following the link iDispute.org/online-notary
IMPORTANT!!! The person whose signature is being notarized must personally appear before the notary at the time of the notarization without exception.
Finally, send the letter by USPS certified mail. Certified mail is best because it guarantees that the company receives it. That way, they can’t say they didn’t get your letter. But, if you are busy and don’t have time to drive to the post office, you can mail a letter online. No more trips to the post office, no worries of social distancing, save time and do it online with LETTERCARRIER.ORG
IMPORTANT: You can keep a document copy on your computer, but it’s better to keep a hard copy of the one you sign and send. Always keep a copy of the document, certified mail receipt, and payment receipt, so you have a record.
Having an attorney send a powerful demand letter to the company will quickly motivate them to do the right thing. Request Service HERE: https://www.fixcredit.cc/
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