ECOA Demand for Specific Principal Reasons for Adverse Action

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] DOB: [CLIENT DOB] | SSN (Last 4): [CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: REQUEST FOR SPECIFIC PRINCIPAL REASONS FOR ADVERSE ACTION UNDER ECOA (15 U.S.C. § 1691(d)) Dear Credit Underwriting / Adverse Action Department, I received notification on or about [ACCOUNT DATE REPORTED] regarding an adverse action taken by [ACCOUNT CREDITOR NAME] on my credit application or account #[ACCOUNT ACCOUNT NUMBER MASKED]. Pursuant to Section 701(d) of the Equal Credit Opportunity Act (15 U.S.C. § 1691(d)) and Regulation B (12 CFR § 1002.9), I am writing within 60 days to formally demand a full, written statement of the specific principal reasons for this adverse decision. Under 12 CFR § 1002.9(b)(2), vague statements such as "failed to meet internal credit criteria" or "insufficient credit score" are legally insufficient. The response must state the specific factors (e.g., high revolving utilization, delinquent payment history, insufficient income) that contributed to the decision. Please mail the statutory statement of specific reasons and any consumer credit score disclosures used to my address above within 30 days of receipt. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]