Notes

Credit Reporting Agencies Addresses:

Experian Information Solutions, Inc.

475 Anton Blvd.
Costa Mesa, CA 92626

Transunion
100 Cross Street
Suite 202
San Luis Obispo, CA 93401

Equifax Consumer Services LLC

P.O. Box 740256
Atlanta, GA 30374

Equifax:
1-866-640-2273 (press 1, then wait)

Experian:
1-800-493-1058 (press 3 as soon as message
starts or press 0)

TransUnion:
1-800-680-7289 (at prompt press 4, then 2)

Consumer Financial Protection Bureau (CFPB) -

have to make an account
consumerfinance.gov

Chat GPT
https://chat.openai.com/
 Notes
What to include in your attachments via CFPB and/or
Certified Mail (green return receipt)

Letter With Your Laws & Accounts That You Are

Disputing
Driver's License
Proof of Address - bill, bank statement etc.
Social Security Card

Website To Review The Consumer Laws (FCRA)

https://www.law.cornell.edu/uscode/text/15/chapter-
41/subchapter-III

Website To Diagnose Law Verbiage: etymonline.com

Definitions:
https://www.law.cornell.edu/uscode/text/15/1681a

Permissable Purpose:
https://www.law.cornell.edu/uscode/text/15/1681b

Block of Information:
https://www.law.cornell.edu/uscode/text/15/1681c-2

If an account you previously got removed gets reinserted

back onto your credit file you can use this law:
https://www.law.cornell.edu/uscode/text/15/1681i

REGISTER NOW AT :
 Notes
Factual Dispute Letter

TransUnion Consumer Relations

P.O. Box 2000
Chester, PA 19016

Subject: Inaccuracies on my Credit Report

In the attached copy of my credit report I have clearly highlighted and pointed out
inaccurate reporting on the following account:

ACCOUNT DETAILS

I am not an expert, but the FCRA does clearly state that my credit report needs to
be 100% accurate and consistent. As of right now, it is neither accurate, or
consistent.

I am writing this letter demanding that this inaccurately reported account be

removed from my credit profile due to the inaccuracy and inconsistency.

This request is not being made in error and I will be contacting both of the other
bureaus that are also in violation of reporting this account inaccurately.

Sincerely,
[Your Name]
*DO NOT SIGN*

REGISTER NOW AT :
 Notes
Block & Delete Letter

TransUnion Consumer Relations

P.O. Box 2000
Chester, PA 19016

Subject: Immediate Demand for Block and Deletion of Identity Theft Information

I have recently discovered unauthorized information on my consumer report

resulting from identity theft. I never provided written permission or instructions for
the identified transactions to be reported. This is a clear violation of my rights, and
I demand that you BLOCK and DELETE this information without delay.

Account Name and Account Number

Account Name and Account Number
Account Name and Account Number
Account Name and Account Number

This is not a mere request; it is a non-negotiable demand. The identified

transactions are unrelated to any transactions conducted by me as the consumer.
I insist that you promptly take action to rectify this egregious error within FOUR
DAYS from the receipt of this notice.

Understand that I expect a WRITTEN response confirming the completion of the

block and deletion process. Any delay or inaction on your part will not be tolerated,
and I am prepared to take appropriate legal action to protect my rights under the
Fair Credit Reporting Act (FCRA).

Fix this immediately and provide an updated copy of my consumer report, free of
the unauthorized information.

Sincerely,
[Your Name]
*DO NOT SIGN*

REGISTER NOW AT :
 Notes
Statement Of Dispute

Subject: Immediate Demand for Block and Deletion of Identity Theft Information

NAME
DATE
ADDRESS
SSN

Subject: Statement of Dispute

Dear CREDIT REPORTING AGENCY (Transunion, Equifax, or Experian),

I am requesting a description of the procedures used to determine the accuracy

and completeness of (ACCOUNT NAME & ACCOUNT NUMBER).

How could you come to a clear conclusion this account is verified? Who did you
speak to about the account I disputed, how did you contact them and when did
you communicate with them?

I'm also aware of my right to privacy under the FCRA. Neither you nor (INSERT
CREDIT COMPANY NAME) have provided any proof of me giving them my consent
to disclose or furnish my private information.

Respond with the requested information, or delete this account within 15 days.

Sincerely,

TYPE YOUR NAME HERE

*DO NOT SIGN*

REGISTER NOW AT :
 Notes
Statement Of Dispute

Subject: Immediate Demand for Block and Deletion of Identity Theft Information

NAME
DATE
ADDRESS
SSN

Subject: Statement of Dispute

Dear CREDIT REPORTING AGENCY (Transunion, Equifax, or Experian),

I am requesting a description of the procedures used to determine the accuracy

and completeness of (ACCOUNT NAME & ACCOUNT NUMBER).

How could you come to a clear conclusion this account is verified? Who did you
speak to about the account I disputed, how did you contact them and when did
you communicate with them?
I'm also aware of my right to privacy under the FCRA. Neither you nor (INSERT
CREDIT COMPANY NAME) have provided any proof of me giving them my consent
to disclose or furnish my private information.

Respond with the requested information, or delete this account within 15 days.

Sincerely,

TYPE YOUR NAME HERE

*DO NOT SIGN*

REGISTER NOW AT :
 Notes
Phone script you can use when calling the bureaus once you know
your disputes have been received.

Hey there, my name is _________. I wanted to let you know that I

submitted a complaint. I just want to make sure you got it and I'm
calling to check if it's going to get resolved today.

You know, there are some laws that say you have to treat
consumers fairly, and that means you have to delete the info related
to the identity theft that I pointed out.

I got to be honest with you – if you guys keep reporting that false
information, it's messing up the whole banking system. Do you
really want to be responsible for that? You have an obligation to
meet my needs and treat me fairly throughout this whole process.
So, it's your duty to make sure the info you have on me is accurate
and relevant.

Honestly, seeing this stuff still on my record, it's like you're not using
my info the right way. That's not cool.

I know it might be hard dealing with this, but if you hit a roadblock,
just hang up and try someone else who can help you out.

REGISTER NOW AT :
 Notes
FDCPA Notes

Free Invoice Generator:

Fair debt collection practices act:
https://www.law.cornell.edu/uscode/text/15/chapter-
41/subchapter-V

Definitions
15 U.S. Code § 1692a - Definitions
https://www.law.cornell.edu/uscode/text/15/1692a

15 U.S. Code § 1692c - Communication in

connection with debt collection:
https://www.law.cornell.edu/uscode/text/15/1692c

15 U.S. Code § 1692c-(a)Communication

with the consumer generally:
Without the prior consent of the consumer given directly to the debt
collector or the express permission of a court of competent
jurisdiction, a debt collector may not communicate with a
consumer in connection with the collection of any debt—

15 U.S. Code § 1692d - Harassment or abuse

https://www.law.cornell.edu/uscode/text/15/1692d

A debt collector may not engage in any conduct the natural

consequence of which is to harass, oppress, or abuse any person
in connection with the collection of a debt.

REGISTER NOW AT :
 Notes
Affidavit Of Truth

Notice to all, I, am that I am, the consumer in fact natural person,

original creditor, lender, executor, administrator, holder in due
coarse for any and all derivatives thereof the surname/given name
YOUR NAME and I have been appointed and accept being the
executor both public and private for all matters proceeding , and I
hereby claim that I will d/b/a LAST NAME, FIRST NAME and
autograph as the agent, attorney in fact, so be it; Whereas, I of age,
of majority, give this herein notice all, I make solemn oath to the
one and only most high of creation only, whoever that may be, and I
depose the following facts, so be it, now present:

Fact, The Truth In Lending Act is intended to secure and inform the
use of credit results from an awareness of the cost thereof by
consumers. It is the purpose of The Truth In Lending Act to assure
meaningful disclosure of credit terms so that I, the consumer will
be able to compare more readily the various credit terms available
to me and avoid the uninformed use of credit, and to protect me as
the consumer against inaccurate and unfair credit billing and credit
card practices. My right to privacy and my privacy has been
breached so be it, and;

Fact, I am sure the removal of my information from your website,

company records, or any and all derivatives therefore, of, and/or
with any affiliates will ensure my privacy wont be violated again due
to my lack consent and this herein unrebutted Affidavit of Truth
being serviced to you today and therefore, standing as truth in
commerce, so be it, and;

REGISTER NOW AT :
 Notes
Fact, please show good faith in this matter by expediting the
securing of the alleged information listed on your site in order to
avoid me receiving further injury, damages, mental anguish and
losses due to me being a victim of identity theft, so be it, and;
The Fair Debt Collection Practices Act is intended to protect
consumers against abusive, and deceptive debt collection practices
and I have been abused and deceived so be it; fact, affiant
is aware and has proof in the attachment labeled as Exhibit A
COLLECTION AGENCY is in violation of 15 usc 1692b(5)

Thank you,
YOUR NAME

REGISTER NOW AT :
 Notes
NOTARY PAGE

I swear to all information provided herein, I do so under the penalty

of perjury that the information I so affirm to be true, correct,
accurate to the best of my ability and knowledge, so be it;

I do not accept this offer in contract.

I do not consent to these proceedings.
I do requite subrogation of the bond settle the charge.

On date of ___________20___ LAST NAME, FIRST NAME agent, d/b/a

FIRST NAME MIDDLE LAST NAME came before me today present
as a flesh and blood living being (non entity/non debtor) under oath
to the most high of creation only and provided the facts listed
herein.

FIRST NAME, LAST NAME

Signature _________________

Sworn to or affirmed by and subscribed before me on the __day of_,

year 20____.

________________________
Notary Name

________________________
Notary Signature

REGISTER NOW AT :
 Notes
Phone Script to Remove Unauthorized Hard Inquiries:
[Note: Before making any calls, it's important to gather all relevant information about
the unauthorized hard inquiry, such as the name of the company that made the
inquiry, the date of the inquiry, and any reference numbers associated with it.]

Caller: Hello, my name is [Your Name], and I'm calling in regards to an unauthorized
hard inquiry on my credit report. I recently noticed that there was an inquiry made by
[Name of Company] on [Date of Inquiry], and I wanted to address this matter.

Agent/Representative: Thank you for bringing this to our attention. I apologize for any
inconvenience this may have caused. To assist you further, could you please provide
me with your full name and the last four digits of your social security number?

Caller: Certainly. My name is [Your Full Name], and the last four digits of my social
security number are [Last 4 digits].

Agent/Representative: Thank you, [Your Full Name]. I have located your account.
Before we proceed, can you confirm that you did not authorize this hard inquiry and that
you do not recognize the company [Name of Company]?

Caller: Yes, that's correct. I did not authorize the inquiry, and I am not familiar with
[Name of Company].

Agent/Representative: Understood. I will initiate an investigation into this matter

immediately. Our goal is to ensure that your credit report accurately reflects your credit
history and that any unauthorized inquiries are removed promptly.

Caller: Thank you. Additionally, I want to emphasize that I did not benefit from this
inquiry in any way, and it has not resulted in any approved credit or service.

Agent/Representative: I appreciate you providing that information. We will thoroughly

investigate the unauthorized inquiry, and if it is confirmed to be unauthorized, we will
take the necessary steps to have it removed from your credit report.

Caller: That's reassuring to hear. How long does the investigation process usually take,
and will I be updated on its progress?

REGISTER NOW AT :
 Notes
Agent/Representative: The investigation process typically takes around 30 days.
Throughout the investigation, we will keep you updated on its progress and notify you
of any actions taken to resolve the matter.

Caller: Perfect, I'll be looking forward to the updates. Is there anything else I need to do
at this point?

Agent/Representative: At this stage, you've done everything you need to do. We will
handle the investigation on your behalf. If you have any further questions or concerns
during the process, please don't hesitate to reach out to us.

Caller: Great, I appreciate your assistance. Thank you for your time.

Agent/Representative: You're welcome, [Your Full Name]. If you have any other
questions or need further assistance, feel free to contact us at any time. Have a
wonderful day!

REGISTER NOW AT :
 Notes
Letter To Remove Hard Inquiries
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

[Credit Reporting Agency Name]

[Address]
[City, State, ZIP Code]

Subject: Request for Removal of Unauthorized Hard Inquiries

I am writing to bring to your attention unauthorized hard inquiries that have

appeared on my credit report. I did not authorize these inquiries, and I have not
benefited from them in any way.

According to the Fair Credit Reporting Act (FCRA), hard inquiries should only be
made with a permissible purpose, such as when a consumer applies for credit or
certain services. I have not applied for credit or requested any services from the
companies associated with these unauthorized inquiries.

I kindly request your assistance in investigating these inquiries and promptly

removing them from my credit report. I trust that you will conduct a thorough
review and take the necessary steps to ensure the accuracy and integrity of my
credit information.

Enclosed are copies of my credit report highlighting the unauthorized inquiries

for your reference. Please keep me informed of the progress made during the
investigation and notify me of any actions taken to resolve this matter.

Thank you for your attention to this request. I appreciate your cooperation in
addressing this issue promptly.

Sincerely,

[Your Name]

Enclosures:
1. Copy of Credit Report
2. Highlighted Unauthorized Inquiries

REGISTER NOW AT :