Official Section 609 Dispute Letter Template

[Your Full Name] [Your Full Address] [City, State, Zip Code] [Social Security Number] [Date of Birth] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, Zip Code] RE: Formal Request for Verification Under FCRA Section 609 To Whom It May Concern, I am writing this letter to formally request verification of the following items on my credit report, as per my rights under Section 609 of the Fair Credit Reporting Act (15 U.S.C. § 1681g). The following items are being disputed: 1. [Creditor Name] - Account Number: [Account # or ID] 2. [Creditor Name] - Account Number: [Account # or ID] Section 609 of the FCRA requires that you provide the original source documentation for every item appearing in my credit file. This includes a copy of the original signed contract, a physical copy of the debt agreement, or a document containing my actual signature that proves the validity of these claims. Note that a mere computer printout of the electronic records provided by the creditor is NOT sufficient verification under the law. If you are unable to provide the original physical documentation with my signature for these items within 30 days of receipt of this notice, you are legally obligated to remove these items from my credit report immediately. Please send me an updated copy of my credit report once these items have been removed or properly verified. Sincerely, _______________________________ [Your Full Name]