[Your Name]

[Your Address]

[Experian, Equifax or TransUnion address]


To Whom It May Concern:

REF: Intent to file suit: violation of the FCRA

I have sent [#] previous letters to you, all by certified mail (copies of receipts enclosed) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters—all sent certified mail—stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [name of your county, state] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

I anticipate your response.


[Your signature]

[Your printed name]



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