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Free Templates • Updated 2026

Free Credit Dispute Letter Templates, Ready to Send

10 proven dispute letter templates used by credit repair professionals. Free to use, screenshot, copy, or download as PDF.

10

Letter Templates

3

Bureau Addresses Included

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Clients Served

Pick a template. Fill in the blanks. Send.

Every template below is built around the laws that actually protect you, the Fair Credit Reporting Act, the FDCPA, and Section 609. Use them to dispute errors with bureaus, validate debts with collectors, or ask creditors for a goodwill adjustment. Need a guided plan instead? Get your $1 Roadmap.

01

General Bureau Dispute Letter

The most versatile template, a standard dispute letter for any type of inaccuracy. Start here if you're new to credit disputes.

Send to: Credit Bureau30 - 45 daysEasy

Pro tip: Be specific about what's wrong with each item. "I dispute this account" is weaker than "The balance is reported as $4,500 but my records show $2,100."

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [YOUR SSN, LAST 4 DIGITS: XXX-XX-[LAST 4]] [YOUR DATE OF BIRTH] [DATE] [BUREAU NAME] [BUREAU ADDRESS] [BUREAU CITY, STATE ZIP] Re: Dispute of Inaccurate Credit Report Information Dear Sir or Madam, I am writing pursuant to my rights under Section 611 of the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute the following inaccurate information on my credit report. DISPUTED ITEM 1: Account Name: [CREDITOR/COMPANY NAME] Account Number: [ACCOUNT NUMBER] What is being reported: [DESCRIBE WHAT THE REPORT CURRENTLY SAYS] What is actually correct: [DESCRIBE THE ACCURATE INFORMATION] Reason for dispute: [EXPLAIN, e.g., "This account was paid in full on [DATE] but is still reporting a balance of $X," "I was never 30 days late on this account, all payments were made on time," "This account belongs to someone else with a similar name"] [ADD MORE DISPUTED ITEMS IN THE SAME FORMAT AS NEEDED] Under Section 611 of the FCRA, you are required to: 1. Conduct a reasonable investigation of each disputed item within 30 days 2. Forward all relevant information I have provided to the furnisher of the information 3. Review and consider all relevant information submitted by me 4. Delete or modify any information that is found to be inaccurate, incomplete, or unverifiable 5. Provide me with written notice of the results within 5 business days of completing the investigation If any disputed item cannot be verified, it must be removed from my credit report immediately per Section 611(a)(5)(A). I have enclosed copies of supporting documentation where available. I have also enclosed copies of my identification for verification purposes. Please send the results of your investigation to me at the address listed above. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Enclosures: - Copy of government-issued ID - Copy of proof of address - [LIST ANY SUPPORTING DOCUMENTS, e.g., "Payment confirmation from [creditor] dated [date]," "Bank statement showing payment cleared on [date]"]
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02

Section 609 Dispute Letter

A stronger escalation, demands the bureau provide the original documentation used to verify an item. If they can't produce it, the item must be removed under FCRA Section 609.

Send to: Credit Bureau30 - 45 daysMedium

Pro tip: Include a copy of your government-issued ID and a utility bill as proof of identity. The bureau can reject your dispute without them.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [DATE] [BUREAU NAME] [BUREAU ADDRESS] [BUREAU CITY, STATE ZIP] Re: Dispute of Inaccurate Information, Request for Verification Under FCRA Section 609 Dear Sir or Madam, I am writing to exercise my rights under Section 609(a)(1)(A) of the Fair Credit Reporting Act (15 U.S.C. § 1681g) to request that you provide me with all information in my consumer file, including the source of each item reported. After reviewing my credit report, I have identified the following item(s) that I believe to be inaccurate, incomplete, or unverifiable: Account Name: [CREDITOR/ACCOUNT NAME] Account Number: [ACCOUNT NUMBER] Reason for Dispute: [DESCRIBE THE INACCURACY, e.g., "This account does not belong to me," "The balance reported is incorrect," "The payment history contains errors"] Under Section 609 of the FCRA, you are required to disclose to me the sources of information used to compile my credit report, including the business name, address, and telephone number of any furnisher of information. Under Section 611 (15 U.S.C. § 1681i), if this information cannot be verified, it must be promptly deleted from my file. I am requesting that you: 1. Provide me with the original documentation used to verify the accuracy of this item 2. Provide the name, address, and telephone number of each person who furnished the information 3. If verification is not possible, remove this item from my credit report immediately I have enclosed copies of my government-issued identification and proof of address for verification purposes. Please complete your investigation within the 30-day period required by the FCRA. If you do not respond within this timeframe, I will consider the item unverified and expect its immediate removal. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Enclosures: - Copy of government-issued ID - Copy of proof of address (utility bill or bank statement)
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03

Hard Inquiry Removal Letter

Disputes unauthorized hard inquiries on your credit report. Each unauthorized inquiry can lower your score by 2 - 10 points. Quick win, often the easiest items to get removed.

Send to: Credit Bureau30 - 45 daysEasy

Pro tip: Hard inquiries fall off after 2 years, but you can dispute unauthorized ones immediately. If you didn't apply for credit with a company, the inquiry is likely unauthorized.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [YOUR SSN, LAST 4 DIGITS: XXX-XX-[LAST 4]] [YOUR DATE OF BIRTH] [DATE] [BUREAU NAME] [BUREAU ADDRESS] [BUREAU CITY, STATE ZIP] Re: Dispute of Unauthorized Hard Inquiry/Inquiries Dear Sir or Madam, I recently reviewed my credit report and identified the following hard inquiry/inquiries that I did not authorize: Inquiry 1: Company Name: [COMPANY NAME] Date of Inquiry: [DATE] I did not apply for credit with this company and did not authorize this inquiry. [ADD MORE INQUIRIES AS NEEDED] Under Section 604 of the Fair Credit Reporting Act (15 U.S.C. § 1681b), a credit report may only be obtained for a permissible purpose, and the consumer must provide written consent for a hard inquiry. I did not provide written authorization to the above-listed companies to access my credit file. Under Section 611 of the FCRA (15 U.S.C. § 1681i), I am requesting that you investigate these inquiries and provide me with: 1. Proof of my written authorization for each inquiry listed above 2. The permissible purpose under which each inquiry was made If you cannot provide proof of written authorization, I request that these unauthorized inquiries be removed from my credit report immediately. Please complete your investigation within 30 days as required by the FCRA. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Enclosures: - Copy of government-issued ID - Copy of proof of address
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04

Debt Validation Letter (FDCPA §1692g)

Requires a debt collector to prove the debt is valid and that they have the right to collect it. Must be sent within 30 days of their first contact for maximum protection.

Send to: Debt Collector30 daysEasy

Pro tip: Send this within 30 days of the collector's first notice. After 30 days, you still have the right to dispute, but the collector's obligation to stop collection is weaker.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [DATE] [COLLECTION AGENCY NAME] [COLLECTION AGENCY ADDRESS] [CITY, STATE ZIP CODE] Re: Debt Validation Request, Account #[ACCOUNT/REFERENCE NUMBER] Dear Sir or Madam, I am writing in response to your [letter/phone call] dated [DATE OF CONTACT] regarding the above-referenced account. This letter is not an acknowledgment or acceptance of the alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act (15 U.S.C. § 1692g), I am requesting validation of this debt. Please provide the following: 1. The name and address of the original creditor 2. The original account number with the original creditor 3. Documentation showing I agreed to pay this debt (signed contract or agreement) 4. A complete payment history from the original creditor, including the date of last activity 5. Proof that your company is licensed to collect debts in [YOUR STATE] 6. Proof that this debt has not exceeded the statute of limitations in [YOUR STATE] 7. The amount of the debt at the time it was assigned or purchased, including an itemization of all fees, interest, and charges added Until you provide adequate validation of this debt, I request that you: - Cease all collection activity on this account - Refrain from reporting or continue reporting this account to any credit reporting agency - Note this account as "disputed" if it is currently being reported Please be advised that under the FDCPA, if you cannot validate this debt, you must cease collection efforts and remove any reporting of this account to the credit bureaus. I expect your response within 30 days. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Sent via USPS Certified Mail, Return Receipt Requested Tracking Number: [TRACKING NUMBER]
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05

Goodwill Letter

Asks a creditor to remove a late payment from your record as a courtesy. Works best when you have an otherwise good history and a legitimate reason for the late payment.

Send to: Creditor15 - 30 daysEasy

Pro tip: Be genuine and specific about why you were late. Creditors respond better to real stories (job loss, medical emergency) than generic excuses. Keep it to one page.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [DATE] [CREDITOR NAME] [CREDITOR ADDRESS] [CITY, STATE ZIP CODE] Re: Goodwill Adjustment Request, Account #[ACCOUNT NUMBER] Dear [CREDITOR NAME] Customer Relations, I am writing to respectfully request a goodwill adjustment to remove the late payment reported on the above-referenced account for [MONTH/YEAR OF LATE PAYMENT]. I have been a loyal customer of [CREDITOR NAME] for [NUMBER] years and have otherwise maintained a strong payment history. Unfortunately, [EXPLAIN YOUR CIRCUMSTANCE, e.g., "I experienced an unexpected medical emergency that resulted in hospitalization and temporary loss of income," "I was displaced due to a natural disaster," "I went through a family emergency that disrupted my normal financial management"]. Since that time, I have [DESCRIBE CORRECTIVE ACTIONS, e.g., "brought the account fully current," "set up automatic payments to prevent any future issues," "maintained on-time payments for the past X months"]. I understand that [CREDITOR NAME] reported accurately based on the information available. However, I am hoping you will consider this as an isolated incident that does not reflect my overall relationship with your company. The late payment is significantly impacting my credit score and my ability to [STATE YOUR GOAL, e.g., "qualify for a mortgage," "obtain business financing," "refinance at a better rate"]. I would be incredibly grateful if you could make a goodwill adjustment and remove the [30/60/90]-day late payment notation from my credit report. Your willingness to do so would make a tremendous difference in my financial future. Thank you for your time and consideration. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Account Number: [ACCOUNT NUMBER] Phone: [YOUR PHONE NUMBER] Email: [YOUR EMAIL]
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06

Pay-for-Delete Letter

Offers to pay a collection account in exchange for complete deletion from your credit report. Used when a collection has already been reported and you have funds to settle.

Send to: Debt Collector30 daysMedium

Pro tip: Get the agreement in writing on company letterhead BEFORE you pay. A verbal promise to delete is worthless, collectors change hands and new owners won't honor old verbal deals.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [DATE] [COLLECTION AGENCY NAME] [COLLECTION AGENCY ADDRESS] [CITY, STATE ZIP CODE] Re: Settlement Offer with Deletion, Account #[ACCOUNT/REFERENCE NUMBER] Dear Sir or Madam, I am writing regarding the above-referenced account with a reported balance of $[AMOUNT]. I am prepared to resolve this account under the following terms: Settlement Terms: - I will pay [$ AMOUNT or "the full balance" or "X% of the balance"] as payment in full - In exchange, you agree to request deletion of this account from all three credit reporting agencies (Equifax, Experian, and TransUnion) within 30 days of receiving payment - You will provide me with written confirmation of the deletion request This offer is contingent upon receiving written confirmation of these terms before any payment is made. Please respond in writing on your company letterhead. If you agree to these terms, please sign below and return this letter to me. Upon receipt of your signed agreement, I will remit payment within 10 business days via [cashier's check / money order]. Please note: I am aware of my rights under the FDCPA and FCRA. This letter is not an acknowledgment of the debt, and the statute of limitations may apply. Agreed and Accepted: _________________________ Authorized Representative _________________________ Date Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Sent via USPS Certified Mail, Return Receipt Requested Tracking Number: [TRACKING NUMBER]
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07

Cease and Desist Letter

Legally requires a debt collector to stop contacting you. Under the FDCPA, they must comply, but be aware the debt itself doesn't go away.

Send to: Debt CollectorImmediateEasy

Pro tip: This stops calls and letters, but the collector can still report to credit bureaus and may sue. Best used when a collector is harassing you while you work on resolving the debt another way.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [DATE] [COLLECTION AGENCY NAME] [COLLECTION AGENCY ADDRESS] [CITY, STATE ZIP CODE] Re: Cease and Desist Communication, Account #[ACCOUNT/REFERENCE NUMBER] Dear Sir or Madam, Pursuant to my rights under Section 805(c) of the Fair Debt Collection Practices Act (15 U.S.C. § 1692c(c)), I am directing you to cease all further communication with me regarding the above-referenced account. This letter serves as formal written notice that I refuse to pay the alleged debt and that I demand you stop contacting me by telephone, mail, email, text message, or any other medium, effective immediately. Under the FDCPA, after receiving this notice you may only contact me to: 1. Advise me that further collection efforts are being terminated 2. Notify me that a specific legal remedy (such as a lawsuit) may be invoked Any continued contact beyond these exceptions will constitute a violation of the FDCPA, for which I may seek statutory damages of up to $1,000 per violation, plus actual damages and attorney's fees under 15 U.S.C. § 1692k. I am keeping a detailed log of all communications from your company, including dates, times, phone numbers, and content. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Sent via USPS Certified Mail, Return Receipt Requested Tracking Number: [TRACKING NUMBER]
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08

Method of Verification (MOV) Letter

Sent AFTER a dispute comes back "verified." Demands the bureau reveal exactly how they verified the item, what method they used and what documents they reviewed.

Send to: Credit Bureau15 daysHard

Pro tip: Many bureaus verify disputes through e-OSCAR, an automated system that often doesn't involve reviewing actual documentation. An MOV letter forces them to reveal this, which can support a CFPB complaint or lawsuit if verification was inadequate.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [DATE] [BUREAU NAME] [BUREAU ADDRESS] [BUREAU CITY, STATE ZIP] Re: Request for Method of Verification, Account #[ACCOUNT NUMBER] Dear Sir or Madam, I recently received the results of my dispute regarding the above-referenced account, dated [DATE OF DISPUTE RESULTS]. You indicated that the disputed item was "verified" and would remain on my credit report. Pursuant to Section 611(a)(6)(B)(iii) of the Fair Credit Reporting Act (15 U.S.C. § 1681i(a)(6)(B)(iii)), I am requesting that you provide me with a detailed description of the procedure used to determine the accuracy and completeness of this item, including: 1. The specific method of verification used (e.g., e-OSCAR, direct contact with furnisher, document review) 2. The name, address, and telephone number of the person contacted at the furnishing company 3. The specific documents or records reviewed during the verification process 4. The date the verification was conducted 5. A copy of any documentation provided by the furnisher during the investigation Under Section 611(a)(7) of the FCRA, I also request a description of the reinvestigation procedure used, including whether the dispute was handled through an automated system. If the verification was conducted solely through the e-OSCAR system without reviewing original documentation, I intend to file a complaint with the Consumer Financial Protection Bureau and may pursue legal action for failure to conduct a reasonable investigation as required by the FCRA. Please provide this information within 15 days of receipt of this letter. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Sent via USPS Certified Mail, Return Receipt Requested Tracking Number: [TRACKING NUMBER]
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09

Early Exclusion Letter

Requests removal of negative items that are approaching or have reached the 7-year reporting limit. Many items stay on reports past their legal expiration.

Send to: Credit Bureau30 - 45 daysMedium

Pro tip: The 7-year clock starts from the date of first delinquency (the first missed payment that led to the negative status), NOT from the date the account was opened or the date it was sent to collections.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [DATE] [BUREAU NAME] [BUREAU ADDRESS] [BUREAU CITY, STATE ZIP] Re: Request for Removal of Obsolete Information, Account #[ACCOUNT NUMBER] Dear Sir or Madam, I am writing to request the removal of the following item from my credit report, as it has reached or is approaching the maximum reporting period under Section 605(a) of the Fair Credit Reporting Act (15 U.S.C. § 1681c): Account Name: [CREDITOR/COLLECTION AGENCY NAME] Account Number: [ACCOUNT NUMBER] Type: [COLLECTION/CHARGE-OFF/LATE PAYMENT] Date of First Delinquency: [DATE, this is the date the account first became delinquent and was never brought current] Current Date: [TODAY'S DATE] Time Elapsed: [X YEARS, X MONTHS] Under FCRA Section 605(a), the following reporting periods apply: - Collections, charge-offs, and late payments: 7 years from the date of first delinquency - Chapter 7 bankruptcy: 10 years from the date of filing - Chapter 13 bankruptcy: 7 years from the date of filing Based on the date of first delinquency listed above, this item [has exceeded / will exceed within the next 6 months] the 7-year reporting limit. I am requesting that you: 1. Verify the date of first delinquency for this account against the furnisher's records 2. If the item has exceeded or is within 6 months of the reporting limit, remove it from my credit report immediately 3. If you believe the reporting period has not expired, provide me with documentation of the date of first delinquency as reported by the original creditor Please be advised that under FCRA Section 605(a), continuing to report information beyond the applicable time period is a violation of federal law. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Enclosures: - Copy of government-issued ID - Copy of credit report highlighting the disputed item with dates
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10

Identity Theft Dispute Letter

The most powerful dispute letter available, almost always works as long as you have the required documentation. Use ONLY if you suspect or know you've been a victim of identity theft. Requires a police report and FTC affidavit.

Send to: Credit Bureau30 days (expedited under FCRA 605B)Hard

Pro tip: This works almost every time when you have: (1) an identity theft police report, (2) an FTC Identity Theft Affidavit from IdentityTheft.gov, and (3) a written description of what happened. Be prepared for 2-3 follow-up rounds with individual creditors who may need additional verification.

[YOUR FULL NAME] [YOUR STREET ADDRESS] [CITY, STATE ZIP CODE] [YOUR SSN, LAST 4 DIGITS: XXX-XX-[LAST 4]] [YOUR DATE OF BIRTH] [DATE] [BUREAU NAME] [BUREAU ADDRESS] [BUREAU CITY, STATE ZIP] Re: Identity Theft Dispute, Request for Block Under FCRA Section 605B Dear Sir or Madam, I am a victim of identity theft and I am writing to dispute fraudulent information on my credit report that resulted from this crime. I am exercising my rights under Section 605B of the Fair Credit Reporting Act (15 U.S.C. § 1681c-2). The following accounts and/or inquiries are fraudulent and were not opened or authorized by me: Fraudulent Account 1: Account Name: [CREDITOR NAME] Account Number: [ACCOUNT NUMBER] Date Opened: [DATE] Reason: This account was opened without my knowledge or authorization as a result of identity theft. [ADD MORE FRAUDULENT ITEMS AS NEEDED] Under Section 605B of the FCRA, I am requesting that you block the reporting of all information identified above within 4 business days of receiving this letter and the required documentation. I have enclosed the following as required by law: 1. A copy of the FTC Identity Theft Report (Report Number: [FTC REPORT NUMBER]) 2. A copy of my government-issued identification 3. Proof of my current address 4. A police report filed with [POLICE DEPARTMENT NAME] (Report Number: [POLICE REPORT NUMBER]) 5. A clear statement identifying each fraudulent item listed above Please investigate and remove all fraudulent accounts, inquiries, and associated information from my credit file. Under Section 605B, you must block this information within 4 business days and notify the furnishers of the block. Sincerely, [YOUR SIGNATURE] [YOUR PRINTED NAME] Enclosures: - FTC Identity Theft Report - Copy of government-issued ID - Copy of proof of address - Police report
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AK

Written by

Alexander Katsman

Founder, Credit Booster & Credit Booster AI

Alexander Katsman has spent more than 15 years in credit and finance, helping thousands of people and small business owners dispute inaccurate reporting, rebuild their scores, and get approved for funding they were once denied. His latest project, Credit Booster AI, puts that entire toolkit in everyone's hands, using AI to make fixing, building, and funding your credit accessible to all.

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Mail Your Disputes Here

Credit Bureau Mailing Addresses

Send all bureau dispute letters via USPS Certified Mail with Return Receipt Requested.

Equifax

Equifax Information Services LLC
PO Box 740256
Atlanta, GA 30374

Experian

Experian
PO Box 4500
Allen, TX 75013

TransUnion

TransUnion LLC
Consumer Dispute Center
PO Box 2000
Chester, PA 19016
Step-by-Step

How to Send Your Dispute Letter

Five steps to make sure your dispute is filed correctly and creates a legal paper trail.

1

Fill in your information

Replace all [BRACKETED PLACEHOLDERS] with your actual information. Double-check account numbers and dates.

2

Print and sign

Print on plain white paper. Sign in blue or black ink above your typed name.

3

Make copies

Photocopy the completed letter and any supporting documents for your records.

4

Send via certified mail

Use USPS Certified Mail with Return Receipt Requested (~$4 - 7). This creates a legal paper trail proving delivery date.

5

Track and follow up

The bureau or collector has 30 days to respond (45 if they receive additional info during the investigation). If they don't respond, the disputed item must be removed under the FCRA.

Pro tip: Never send original documents, always send copies. Keep your originals in a safe place.

Frequently Asked

Dispute Letter FAQ

Yes, completely free. You can screenshot them, copy to clipboard, or download as PDF, no email required, no signup, no catch.

Section 609 letters can be effective for disputing inaccurate or unverifiable items on your credit report. The credit bureau must provide documentation proving the item is accurate, if they cannot, the item must be removed under the FCRA. Results depend on whether the item is actually inaccurate or unverifiable.

Always send via USPS Certified Mail with Return Receipt Requested. This creates a legal paper trail proving the bureau received your dispute and when. Email and online disputes are valid but provide weaker documentation if you need to escalate to the CFPB or court.

Under the FCRA, credit bureaus must complete their investigation within 30 days of receiving your dispute. This can be extended to 45 days if you provide additional information during the investigation period. If they fail to respond within this timeframe, the disputed item must be removed.

Yes, all three bureaus offer online dispute portals. However, mailed disputes with certified tracking create stronger legal documentation. If you plan to escalate to the CFPB or pursue legal action, written disputes sent via certified mail are recommended.

If a credit bureau does not complete its investigation within the 30-day period required by the FCRA, the disputed item must be deleted from your report. Send a follow-up letter referencing the original dispute date and certified mail tracking number, and request immediate removal citing their FCRA violation.
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