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Credit Bureau Disputes Specialty CRAs & Disclosures
Generate this letterSpecialty CRA Dispute - LexisNexis / CoreLogic / SageStream / Clarity
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).
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: 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. § 1681iEnclose
- 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.