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Demand an Investigation by Credit Bureau - Demanding Credit Reporting Agency to Investigate

This Sample Letter Requests the Credit Reporting Agency Reinvestigate Your Dispute

If you know that an account is being inaccurately on your credit report, and the credit bureau does not fix the information, what do you do? Most likely, the credit bureau did not put any effort into the dispute and used the electronic dispute system named eOscar.

Are you livid? Probably. But you may feel helpless as well. Good news, you can use the following letter to demand a reinvestigation of the account.


Your Name
Your Address

Credit Bureau
Credit Bureau Address

To Whom It May Concern,

I recently submitted a request for investigation of an account #XXXX-XXX-XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one.

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine - though your company claims to have "verified" this.

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW (Experian), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely "parrot" information from the creditors and collection agencies...that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of $1000 should this matter end up in court.

I look forward to an expedient resolution of this matter.

Sincerely,
Your Name


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