BANKRUPTCY

The following templates are examples of letters we have use for bankruptcy removal on credit reports.

 

 

AFFIDAVIT OF DEMAND

BLOCKING OF FRAUDULENT ACCOUNTS THAT RESULT FROM

PURSUANT TO 15 U.S. Code, Title15, Chapter 41, Subchapter III 1681c-2(a)

 

To: TransUnion LLC P.O. Box 2000 Chester, PA 19016

Equifax P.O. Box 740241 Atlanta, GA 30374

Experian P.O Box 4500 Allen Tx, 75013

Regarding: Unauthorized Public Record  reporting as violation of FCRA

Consumer: YOUR NAME

Address:

Hello,

COMPANY NAME In representation of YOUR NAME , a party to Unauthorized Public Record reporting as violation of FCRA. This written communication to inform TransUnion LLC, EQUIFAX, and EXPERIAN that YOUR NAME has been reported to the FTC said Violation., This Notice is to inform you that the information/accounts that is contained herein, is not information relating to any transactions that have been approved or authorized please take notice that this written communication is not an attempt to DISPUTE any part of these fraudulent accounts but a Legal and Lawful demand to block all mentioned information herein within 4 business days whereas it is a result of me being a victim of identity theft. I affirm that I did not open or sign any bonding contracts/notes/securities with any of the original creditors or furnishers of this information. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debt under the FCRA (FAIR CREDIT REPORTING ACT) .Take notice that I am now reserving all rights under consumer credit profile with your company, and as a consumer under the Fair Credit Report Act. Your TransUnion LLC, EQUIFAX, and EXPERIAN may have the authority to decline this demand to block information on the basis of a misrepresentation of fact by me the consumer or any other reason under 905B(c). Promptly send notice if TransUnion LLC, EQUIFAX, and EXPERIAN declines to block information and provide proof of your claim supported by an affidavit that Christopher Knights misrepresented any fact contained herein within. Your failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization willful/negligent non-compliance. Thus making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial law, 14-1213 for actual and punitive damages along with attorney fee’s whereas I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Texas for your non-compliance to federal and state law. Please govern your actions accordingly, also send a corrected report in a timely manner. Parties are subject to fines and a minimum of a $1000 per fine under the FCRA (Fair Credit Reporting Act).

 

Unauthorized Public Records: ENTER IN TYPE OF BANKRUPTCY  Bankruptcy Dismissed (Requested Removal)

 

Unauthorized Inquiries: N/A

 

Fraudulent Address: N/A

 

 

Jurat

 

My Commission expires:______________

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Date

Equifax Credit Bureau

  1. O. Box 740256

Atlanta GA 30374

RE: SSN #_______________________

 

Dear Equifax Credit Bureau:

 

I obtained my Equifax credit report on line. There were Tax Liens from the County Recorder of Deeds, and U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623(a)(5): “If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file”.

 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

 

The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under “Public Records” needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623(a)(3).

 

Per the Federal Credit Reporting Act, Section 609(a)(1)(a), you are required by federal law to verify – through physical verification of the original signed consumer contract and/or judgment(s) – all accounts and public information that you post on anyone’s credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.

 

Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than $5,000 in damages for, but not limited to: 1) Defamation; 2) Negligent Enhancement of Identity Fraud; 3) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Sincerely,

TYPE YOUR NAME Do NOT sign your name

Sample Late payment removal

Name· THURSDAY, APRIL 6, 2021

Date

CRA

To Whom It May Concern:

My credit report is reflecting the late payments as seen below.  These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 (thirty) days.

Company                                 Account#                                Date

Bank of America                     4xxxxxxxxxxxxxx                4/05, 5/05

Chase Bank USA Na              xxxxxxxxx3xxxx                9/05, 4/06,5/06

Providian                                 xxxxxxxxxxxxxx                  1/05

Capital One Bank                   xxxxxxxxxxxxxxxx              6/04, 7/04, 10/2004

I would appreciate you sending me an updated copy of my file as soon as you have

completed the investigation.

Sincerely,

NAME

Addy

SSN:

DOB:

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