Letter Date

Credit Bureau Name
Credit Bureau Address

RE: 2nd Follow Up of Submission of Dispute for: Your Name / Your SSN
ID#: if provided on credit report

Dear Sirs:

On Date, I sent you a follow-up letter stating that you had not responded to my original letter requesting an investigation into several disputed items on my credit report. Copies of the original letters are enclosed.

The Fair Credit Reporting Act requires your bureau, as a consumer reporting agency, maintain and insure that information “is fair and equitable to the consumer.” Also, the law stipulates that bureaus will maintain “accuracy, relevancy, and proper utilization of such information” (Section 602, 4b).

These requirements have not been met. You have not given me evidence that you have acted in a prompt and “fair and equitable” manner. You have not submitted evidence of investigation by giving me names and addresses of persons contacted, nor have you removed anything found inaccurate.

I, therefore, demand that you remove the disputed items, as inaccurate or unverifiable, from my credit report immediately and return an updated credit report, showing that you have done so. If within the next two weeks, I have not received your response, I will file a complaint with the Federal Trade Commission and retain an attorney to pursue my rights to recover damages.

Sincerely,

Your Name
Your Address

ENCLOSURE(S)