FCRA Section 609 Complete File Disclosure Request

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] | Email: [CLIENT EMAIL] DOB: [CLIENT DOB] | SSN (last 4): XXX-XX-[CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER] RE: Formal Request for Full File Disclosure Pursuant to FCRA Section 609 (15 U.S.C. § 1681g) To Whom It May Concern at [BUREAU NAME], I am writing to formally request a complete disclosure of all information contained in my consumer file maintained by [BUREAU NAME], pursuant to Section 609 of the Fair Credit Reporting Act, 15 U.S.C. § 1681g. Pursuant to 15 U.S.C. § 1681g(a), please provide: 1. All data points, historical records, and tradelines in my file at the time of this request. 2. The primary sources of all reported information in my file (§ 1681g(a)(2)). 3. An identification of every person or entity that procured a consumer report for employment purposes within the past 2 years, or for any other purpose within the past 1 year (§ 1681g(a)(3)). 4. The official Summary of Consumer Rights prepared by the Consumer Financial Protection Bureau under § 1681g(c). Enclosed please find copies of my government photo ID, Social Security card, and proof of residence to verify my identity. Please mail the complete file disclosure to my mailing address listed above in a timely manner. Sincerely, ____________________________________ [CLIENT FULL NAME]