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Credit Bureau Disputes Specialty CRAs & Disclosures

Specialty CRA Dispute - LexisNexis / CoreLogic / SageStream / Clarity

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When to use it

Use to dispute inaccurate public records, background data, subprime loan data, or property history reported by secondary specialty bureaus (LexisNexis Risk, CoreLogic, SageStream, Clarity Services, Innovis).

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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: Reinvestigation Request Pursuant to FCRA 15 U.S.C. § 1681i — Specialty Consumer File Dispute To Whom It May Concern at [RECIPIENT NAME], I am writing to formally dispute inaccurate consumer information maintained on my specialty file by [RECIPIENT NAME]. Under 15 U.S.C. § 1681i(a)(1)(A), specialty nationwide consumer reporting agencies are subject to identical statutory reinvestigation mandates as main credit bureaus. The following entry on my specialty consumer report contains inaccurate records: Reporting Entity / Data Source: [ACCOUNT CREDITOR NAME] Reference / Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Dispute Details: [ACCOUNT DISPUTE REASON] Requested Correction: [ACCOUNT CORRECT INFORMATION] Under 15 U.S.C. § 1681i(a)(1)(A), please conduct a complete reinvestigation into these records. If the reporting entity fails to verify every data point with documented evidence within 30 days, [RECIPIENT NAME] must immediately delete the item from my consumer file. Sincerely, ____________________________________ [CLIENT FULL NAME]

Legal basis

15 U.S.C. § 1681g15 U.S.C. § 1681i

Enclose

  • Copy of driver's license or photo ID
  • Copy of SSN Card proof
  • Copy of proof of residency

Before you send

  • Request specialty CRA disclosure file.
  • Identify specific inaccurate tradelines or public records.
Know this first
  • Secondary nationwide CRAs supply data used in insurance underwriting, tenant screening, and subprime lending decisions.

Follow up

Allow about 30 days for a response.