Letter to Experian version 2. Please critique.

[dolphinfan41]

December 16, 2010

Name
Address


SS# XXXXXXXX
DOB XXXXX

Experian
P.O. Box 2002
Allen, TX 75013

Attention: Consumer Relations

I recently obtained a copy of my credit report ( #XXXXXXX) from your service. In reviewing this report I have noticed a number of errors in my Experian credit file.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated accounts from my credit report.


CitiBank NA #XXXXXXXX
-Date Opened is incorrect. Please delete this.
-Past Due Balance is incorrect. Please delete this.

CitiBank NA #XXXXXXXX
-Date of first delinquency is incorrect. Please delete this.
-Past Due Balance is incorrect. Please delete this.

CitiBank NA #XXXXXXXX
-I was not late during months that report. Please delete this.
-Past Due Balance is incorrect. Please delete this.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted off my report.

Thank you for your prompt attention in this matter.

Sincerely,




Name

[chane]

For my first dispute, I usually don't give a reason. Then, if it's verified I start giving different reasons and using different lines.

You may also want to hand write it.

[moosie]

I agree with handwritten because even if they do scan those documents they are extremely hard to be searched. Near impossible. Handwritten especially if you are using letters posted in forums and are not modifying them much.

[dolphinfan41]

This is my second dispute.

The first time they were verified in april of 2010 as mine.

They are 7 student loan charge offs. They fell off of Transunion, and Equifax already but are still on Experian.

CitiBank NA who reported these back in 2006 have no records of these accounts because they were sold to a guarantor as a charge off back in 2007.

Any tips?