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Debt Harassment

 
Sample Letters >> Improper Access of Credit Report

Your Name Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested

Name of Debt Collection Agency
address on Agency Letterhead
City, State ZIP Code

Re Access of My Credit Information from ________ [credit bureau, such as Experian, Equifax, and/or Trans Union] in ________ [month and year, as shown on your credit report]

NOTARIZED REQUEST FOR INFORMATION AND DOCUMENTATION

To the Management of this Collection Agency:

I noticed from the inquires section of my credit reports that your company accessed my credit information, on the dates shown above. I am not aware of owing any debt to you or having applied for credit, employment, or insurance with you.

Please respond within 30 days and provide me with the following information:

1. In connection with what debt/account did you access my credit report?

2. Who (the name and title of the employee) actually accessed my credit information and who else at your organization then saw my credit information, once accessed?

3. What did you do with my credit information, where is it stored or how destroyed?

4. Did you send me any notices related to your access of my credit information or related to any actions by you (if so, please provide me a copy of each letter and notice that you sent me at any time, explaining the actual date it was mailed)?

5. If you determine that you accessed my credit information by mistake or in error, what assurances can you provide me and what procedures have you initiated to ensure that this does not occur again?

6. Please send me a copy of all applicable documentation that validates your inquiries, if you believe that you accessed my credit reports for a permitted reason.

Thank you for your prompt response to these questions and requests. Please note in your computer records receipt of this letter and my intent to record phone calls, and inform your employees of this. If you need more time to respond and provide the documents requested, please let me know how much more time you need or the expected date when you expect to send me a full response and documentation.

Sincerely,

YOUR NAME

On this day of ___________ [month and year], before me, personally appeared YOUR NAME, proved to me on the basis of satisfactory evidence to be the one whose name is subscribed above, and acknowledged that he executed it. WITNESS my hand and official seal.

NOTARY PUBLIC

 
     
   

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