FOLLOW THE STEPS LISTED BELOW

DISPUTE YOUR CREDIT WITH EQUIFAX FIRST, YOU HAVE TO DISPUTE

WITH THE BUREAUS BEFORE YOU CAN BEGIN THE PROCESS. THE
RESULTS OF THE DISPUTE ARE NOT IMPORTANT. YOU CAN DISPUTE
BY MAIL BUT IT IS EASIER TO DO IT ON LINE,I WILL E.MAIL THE ON
LINE DISPUTE LINK. WITHIN 30 DAYS AFTER YOUR DISPUTE, EQUIFAX
WILL E.MAIL THE RESULTS - THE RESULTS ARE NOT IMPORTANT. THE
MOST IMPORTANT THING IN THE E.MAIL IS THE NAME AND ADDRESS
OF THE CREDITOR THAT EQUIFAX CONTACTED.

SECTION 623 OF THE FAIR CREDIT REPORTING ACT STATES AFTER YOU
DISPUTE WITH THE BUREAU YOU HAVE THE RIGHT TO ASK THE
CREDITOR FOR COPIES OF ALL OF'THE DOCUMENTS THAT WERE
PROVIDED TO EQUIFAX TO PROVE THEIR CLAIM. THIS PART OF
STEP TWO IS VERY IMPORTANT, MAIL THE CREDITOR A CERTIFIED
RETURN RECEIPT LETTER TO THE ADDRESS THAT IS ON THE E.MAIL
TRANSMISSION. THE ONLY THING THAT YOU WILL PLACE IN THE
ENVELOPE IS A BLANK SHEET OF PAPER, BUT THE CREDITOR WILL
SIGN FOR IT AND YOU WIL RECEIVE THE SIGNED CARD FROM THE
POSTAL SERVICE. THE CREDITORS MAIL ROOM RECEIVES HUNDREDS
OF LETTERS EACH DAY AND WHAT DO YOU THINK IS GOING TO
HAPPEN TO YOUR LETTER - IT WILL GO IN THE TRASH CAN. IT WILL
BE IMPOSSIBLE FOR THEM TO RESPOND BECAUSE THERE IS NOTHING
TO RESOND TO.

THIS IS THE FINAL STEP, WAIT 30 DAYS FROM THE DATE THAT THE
CREDITOR SIGNED FOR THE LETTER AND SEND THEM FORMS 1,2 AND
A COPY OF THE CERTIFIED RECEIPT THAT THEY SIGNED. BACK DATE
FORM NUBER I TO THE DATE THAT THE CERTIFIED LETTER WAS
MAILED, SIGN IT AND MAKE A COPY. DATE FORM NUMBER TWO WITH
THE CURRENT DATE AND SIGN ALSO MAKE A COPY OF THE RECEIPT
THAT THE CREDITOR SIGNED. SEND THESE THREE DOCUMENTS TO
THE CREDITOR BY CEERTIFIED RETURN RECEIPT MAIL. YOU ARE
BACK DATING FORM NUMBER ONE BECAUSE THIS IS THE FORM THAT
YOU ARE ALLEDGING WAS MAILED 30 DAYS AGO, DO NOT FORGET TO
SEND A COPY AND NOT THE ORIGINAL. GIVE THE CREDITOR 14
WORKING DAYS AND THEY WILL ERASE THE ITEM FROM YOUR FILES
ON ALL THREE BUREAUS BECAUSE THEY HAVE FAILED TO RESPOND
WITHIN 30 DAYS AS DIRECTED BY SRCTION 623 OF THE FAIR CREDIT
REPORTING ACT. THERE IS NO ROOM FOR ERROR IN THE PROCEDURE,
PLEASE CONTACT ME AT ANY TIME THAT YOU HAVE QUESTIONS
 FORM ONE

Date
Re. Account #

To:
On January 3, 20ll I disputed the above account through Equifax. I
was notified on today January 30, 20011 that you have verified the
information in the above account to be accurate and true.
I dispute your information in its entirety and request evidentiary
documentation that you submitted to Equifax to verify the above
account.

According to section 623 of the FAIR CREDIT REPORTING ACT I

have the right to receive any information that was used to verify an
account to a CRA. Should you not be able or willing to provide me with
the substantiating documentation as verification to cure this violation
within the 30 days, please have the information deleted from each of the
CRA's that you furnished it to or do not respond to the next dispute
that I initiate through the CRA's.

Nelson v Chase Manhattanr2002 provides a cause for action for

individuals against furnishers of information. I would prefer not to use
the courts to resolve this matter.

Sincerely

SSN:
DOB:
 FORM 2

To:
,Re:
'Date;

On __________________ , I mailed a copy of the enclosed letter to you by certified

return receipt mail - copies enclosed. As of today I have not received a response.
According to the Fair Credit Reporting Act You have 30 days from the date of
receipt to respond or remove the disputed information from my files on all three
bureaus.
Nelson Vs. Chase Manhattan and Richardson vs. Fleet provide a cause for action
for individuals against furnishers of information. I would prefer not to use the
courts to resolve this matter, please delete the disputed information and forward
proof to me that it has been done.

Sincerely

Name:
Account # :
SSN:
Date:
Address: