Your Name
123 Your Street Address
Your City, ST 01234

Credit Bureau
Credit Bureau Address
Some City, Any State 56789

To Whom It May Concern:

I recently submitted a request for investigation of an Acct Number# XXXX-XXX-XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one.

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine – though your company claims to have “verified” this.

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW (Experian), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn’t merely “parrot” information from the creditors and collection agencies…that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I’m sure you are aware, each violation of the Fair Credit Reporting Act allows damages of $1000 should this matter end up in court.

I look forward to an expedient resolution of this matter,

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