Credit Reporting Agency/Bureau Consumer Statement to Make Credit File Complete

[Date]

Credit Reporting Agency/Bureau

City, State, Zip

RE:   CONSUMER STATEMENT TO MAKE CREDIT FILE COMPLETE

To Whom It May Concern:

According to the Fair Credit Reporting Act, § 611(b) [USC 15 1681i(b)], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information.

[Consumer statement-100 words or less]

If you have any questions or need additional information, please contact me at the address listed below.

Thank you.

Sincerely,

Bruce Smith

Address

City, State, Zip

Social Security #