Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Bankruptcy Information on My Credit Report under FCRA Dear XXXX XXXX I recently reviewed my credit report and discovered an inaccurate entry related to a bankruptcy that I have not filed. According to the Fair Credit Reporting Act ( FCRA ) 611, it is my right to request a verification or removal of this incorrect information.

The erroneous bankruptcy details are as follows : Bankruptcy Chapter 13 In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : 1. The name of the courthouse where the information was verified.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse.

4. The telephone number for the Clerk of Court 's office.

5. The specific document you obtained to verify the bankruptcy.

Should you fail to comply with my request within the 30-day period as stipulated by FCRA, I will consider taking further legal action. Please respond to me in writing at the above address.

I trust that you will handle this matter with the urgency and seriousness it requires. Your prompt attention will prevent any potential negative impact on my credit standing. 

Thank you for your cooperation. 




XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX SSN Digits : XXXX Dear XXXX, I, XXXX XXXX XXXX XXXX reaching out to address a discrepancy in my credit report, which is managed by your agency. It appears to indicate that I filed for bankruptcy within your jurisdiction, which is, in fact, inaccurate. 

I would appreciate if you could shed some light on this situation. My comprehension of the Federal Rules of Bankruptcy Procedure is that only the final four digits of an individual 's Social Security Number should be disclosed to external entities. Thus, I am perplexed as to how this error has occurred. 

In accordance with the Fair Credit Reporting Act ( FCRA ), a federal law established to promote the accuracy and privacy of information in the files of every " consumer reporting agency '', I formally dispute the bankruptcy entry. I request that this bankruptcy record be removed from my credit report or that a thorough investigation be conducted to verify its authenticity. 

Moreover, I seek clarification regarding your bureau 's policy about the release of information. Is there a protocol in place for divulging bankruptcy details to third-party entities such as XXXX, Experian, or XXXX? 

I eagerly await your prompt response to rectify this situation and ensure that my credit report accurately represents my financial history. 

Thank you for your attention to this matter. 


I am writing to bring to your attention a significant error in my credit report. A previous request was made to investigate and verify a bankruptcy listing on my credit report. Your response stated that the bankruptcy had been verified with the appropriate bankruptcy court. 

Upon receiving your response, I took the initiative to contact the court myself. I was informed that neither my full Social Security number nor any information concerning bankruptcy cases is provided to any credit bureau, including Experian. I have enclosed a copy of the response from the court, which clearly refutes your claim that the bankruptcy was verified.

According to Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit file, and credit bureaus must investigate such disputes within 30 days. Furthermore, Section 623 of the FCRA requires furnishers of information to provide accurate information to credit bureaus.

The information relating to the bankruptcy in question, detailed as follows : Chapter 13 is in direct violation of the aforementioned provisions of the FCRA. Consequently, I hereby demand the immediate removal of this incorrect bankruptcy listing from my credit report.

I kindly request a written confirmation once this has been completed. Failure to correct this mistake may compel me to pursue further legal action in accordance with the FCRA and other applicable consumer protection laws.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : [ Copy of the response from the courthouse ]