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Credit Bureau Disputes Personal Info & Inquiries

Request to Include 100-Word Consumer Statement

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When to use it

Use to require a credit bureau to attach a statement (up to 100 words) explaining your position regarding an unresolved disputed account on all future consumer reports.

Preview

Bracketed fields are filled in from your account when you generate it.

[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: Request to Include Consumer Statement Pursuant to FCRA Section 611(b) (15 U.S.C. § 1681i(b)) To Whom It May Concern at [BUREAU NAME], I am writing to formally request that [BUREAU NAME] include a statement of dispute in my consumer file, pursuant to Section 611(b) of the Fair Credit Reporting Act (15 U.S.C. § 1681i(b)). Despite my formal dispute regarding the account listed below, the matter remains unresolved: Disputed Creditor: [ACCOUNT CREDITOR NAME] Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Pursuant to 15 U.S.C. § 1681i(b) and § 1681i(c), please attach the following statement (under 100 words) to my consumer credit file and include it whenever this account or a consumer report containing my file is issued: "[CUSTOM NOTES]" Under 15 U.S.C. § 1681i(c), please confirm in writing that this statement has been added to my file and provide an updated copy of my report. Sincerely, ____________________________________ [CLIENT FULL NAME]

Legal basis

15 U.S.C. § 1681i(b)15 U.S.C. § 1681i(c)

Enclose

  • Copy of photo ID
  • Copy of proof of residence
  • Text of 100-word consumer statement

Before you send

  • Must have an unresolved dispute following reinvestigation.
Know this first
  • Under § 1681i(b), the CRA may assist in editing the statement for clarity, but cannot refuse to publish a statement under 100 words.

Follow up

Allow about 30 days for a response.