I do not guarantee that this will work, but it is always worth a try to get items removed from you credit report. Credit reporting agencies information are near the bottom of this article.
credit report agencies address
Re: Complaint Letter to Delete ErroR
I received a copy of my credit report
and find the following items to be in error. See the attached copy
of the credit report with these item numbers written next to the
By the provisions of Section 611 of the
Fair Credit Reporting Act of 1970, I demand that these items be
reinvestigated and deleted from my record. Send me names and
addresses of individuals you contacted so I may follow up.
I shall assume that 30 days constitutes “reasonable time” for re-verification of these entries unless you notify me otherwise immediately. It should be understood that failure to re-verify these items within 30 day constitutes reason to promptly drop the information from my file according to Section 611(a).
Also, pursuant to Section 611(d) of the Fair Credit Reporting Act, please send me notification that the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of Section 612, there should be no charge for this notification.
Tans Union: 800-916-8800
PO Box 1000
Chester, PA 19022
PO Box 9556
Allen, TX 75013
PO Box 740241
Atlanta, GA 30374
Information has been provided by:
Karen Moon/Sr. Loan Officer