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1. Sender Information: Full legal name, current address, and other contact information of the person disputing the credit report
2. Recipient Information: Name and address of the credit reporting agency
3. Account Identification: Credit report confirmation number, date of report, and any relevant account numbers being disputed
4. Statement of Dispute: Clear declaration that information in the credit report is being disputed under the FCRA
5. Specific Items in Dispute: Detailed list of each item being disputed with specific reasons why the information is incorrect
6. Facts and Evidence Reference: Brief overview of the supporting documentation being included
7. Formal Request: Specific request for investigation and correction of disputed items
8. Timeline Reference: Reference to the 30-day investigation requirement under FCRA
9. Certification: Statement certifying that the information provided is true and accurate
10. Signature Block: Formal closing with signature, date, and printed name
1. Identity Theft Reference: Include when the dispute involves suspected identity theft, referencing any police reports or FTC Identity Theft Reports
2. Previous Correspondence: Reference to any previous communication with the credit bureau about this dispute
3. Third Party Authorization: When someone else is authorized to act on behalf of the consumer
4. Request for Rapid Delete: Special request section for items that should qualify for immediate removal
5. Mixed File Declaration: When the dispute involves credit information mixed with another person's file
1. Appendix A - Identity Documentation: Copies of government-issued ID, Social Security card, or other identification documents
2. Appendix B - Proof of Address: Recent utility bills or other documents proving current address
3. Appendix C - Supporting Evidence: Documentation supporting the dispute claims (payment records, correspondence, court orders, etc.)
4. Appendix D - Credit Report Copy: Relevant pages from the credit report with disputed items clearly marked
5. Appendix E - Previous Correspondence: Copies of any previous relevant correspondence with the credit bureau or creditors
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