SCRA Adverse Credit Reporting Protection & Correction Notice

[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: PROTECTION AGAINST ADVERSE CREDIT REPORTING UNDER SCRA (50 U.S.C. § 3938) - Account #[ACCOUNT ACCOUNT NUMBER MASKED] Dear SCRA & Credit Bureau Compliance Manager, I am writing to object to adverse credit reporting furnished by [ACCOUNT CREDITOR NAME] regarding account #[ACCOUNT ACCOUNT NUMBER MASKED] while I am serving on active duty in the [MILITARY BRANCH]. STATUTORY PROTECTION AGAINST ADVERSE CREDIT REPORTING (50 U.S.C. § 3938): Section 108 of the Servicemembers Civil Relief Act (50 U.S.C. § 3938) explicitly provides that an application by a servicemember for, or receipt of, a stay, postponement, or reduction in payment of any obligation under the SCRA MAY NOT: 1. Form the basis for an adverse report on the creditworthiness of the servicemember to a consumer reporting agency; or 2. Be used by a creditor to indicate a refusal to pay or default. Reporting adverse credit data on account #[ACCOUNT ACCOUNT NUMBER MASKED] during my active duty deployment on [MILITARY ACTIVE DUTY DATE] directly violates federal SCRA prohibitions and FCRA accuracy duties. Immediately remove all adverse credit bureau notations from Equifax, Experian, and TransUnion. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]