I was told that my letters to the Credit Bureaus must contain the specific law that required them to remove disputed items that cannot be verified. Your letters do not state the laws in them. Do you know if this is necessary?

My letters refer to the Fair Credit Reporting Act, which is enforced by the Federal Trade Commission. To my knowledge, this would be the only law that would need to be referred to. Laws in other states may be different, but, in Texas, this seems to have been sufficient.

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