Credit Reporting Agency/Bureau Frivolous-Letter Rejection

[Date]

Credit Reporting Agency/Bureau

City, State, Zip

RE: FRIVOLOUS LETTER REJECTION

To Whom It May Concern:

I am in receipt of your letter stating that my dispute of items in my credit report was “irrelevant and frivolous.” I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [15 USC 1681I]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission.

If you have any questions, please contact me at the address listed below.

Thank you.

Sincerely,

Bruce Smith

Address

City, State, Zip

Social Security #