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Credit Bureau Disputes Reinvestigation & Escalation

Request for Notification of Corrected File to Prior Recipients

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When to use it

Use after an item has been deleted or modified on your credit report to require the bureau to send corrected notices to companies that pulled your credit within the past 2 years (employment) or 6 months (other).

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: Demand to Furnish Corrected Consumer Report to Prior Recipients Pursuant to FCRA Section 611(d) (15 U.S.C. § 1681i(d)) To Whom It May Concern at [BUREAU NAME], I am writing to formally request that [BUREAU NAME] furnish a corrected statement and consumer report to prior recipients of my credit report, pursuant to Section 611(d) of the Fair Credit Reporting Act (15 U.S.C. § 1681i(d)). Following my dispute, on [PRIOR LETTER RESPONSE DATE], [BUREAU NAME] deleted or modified the following inaccurate item from my credit file: Creditor / Account Name: [ACCOUNT CREDITOR NAME] Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Under 15 U.S.C. § 1681i(d), following any deletion or modification of information under § 1681i(a), the consumer reporting agency SHALL, upon request of the consumer, furnish notification that the item has been deleted or modified to: 1. Any person designated by the consumer who received a consumer report for employment purposes within the past two (2) years. 2. Any person designated by the consumer who received a consumer report for any other purpose within the past six (6) months. Please send corrected reports to all qualifying prior recipients and confirm compliance in writing. Sincerely, ____________________________________ [CLIENT FULL NAME]

Legal basis

15 U.S.C. § 1681i(d)

Enclose

  • Copy of CRA deletion confirmation notice
  • Copy of photo ID

Before you send

  • Must have successfully obtained a deletion or correction of an item from credit report.
Know this first
  • This statutory remedy under § 1681i(d) ensures prospective employers or lenders who recently pulled your credit receive the corrected file.

Follow up

Allow about 30 days for a response.