Dispute letters to consumer reporting agencies/background check companies like Equifax, Experian, and TransUnion are not complicated, but you may want a credit and background check attorney at Weiner & Sand LLC to help you with the process.
The dispute letter should inform the consumer reporting agency/background check company that:
- you are disputing information in your consumer report
- you are asking for a reinvestigation
- as part of the reinvestigation, you are providing the background check company with as much information as you have to support the dispute.
For example, the letter should state that you are requesting that the consumer reporting agency/background check company reinvestigate and correct the disputed information pursuant to 15 U.S.C. § 1681i, and you should provide the consumer reporting agency/background check company with information and documents showing that the reported information is in error. The more information you can provide to them to show that the report is inaccurate, the better. Once the consumer reporting agency/background check company receives your dispute, it has an obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation and inform you of the results. Typically, this reinvestigation includes communications with the original furnisher of information (for example, a bank, a credit card company, a debt collector, or a court). The consumer reporting agency/background reporting company will request that the furnisher validate the disputed debt or other information. If the furnisher cannot validate the disputed debt or information, then it must inform the consumer reporting agency/background reporting company and, typically, that information must be removed from your credit or background report.
If you have any questions about the process or would like help disputing information in your credit or background check with entities like Experian, Equifax, or TransUnion, please reach out to the FCRA attorneys at Weiner & Sand LLC for assistance with the process.