Use this Final Follow Up Letter to demand your credit bureau correct disputed errors on your credit report, as maintained by them. It provides a Notice of Intent to File a Complaint with the Federal Trade Commission.
Do not use any of these follow up letters as threats. Especially this one, if the creditor does not comply with the previous requests and does not correspond to this request then file the complaint with the FTC as indicated in the letter. If this does not resolve the credit concerns then contact an attorney that practices in this area of law.
Final Follow Up Credit Repair Letters
Use These Final Follow Up Letters
- Individual Experian Accounts: Individual Experian Final Follow Up Letter
- Individual TransUnion Accounts: Individual TransUnion Final Follow Up Letter
- Individual Equifax Accounts: Individual Equifax Final Follow Up Letter
- Joint Experian Accounts: Joint Experian Final Follow Up Letter
- Joint TransUnion Accounts: Joint TransUnion Final Follow Up Letter
- Joint Equifax Accounts: Joint Equifax Final Follow Up Letter
Sample Final Follow Up Letter
[City, State Zip]
[Credit Bureau Address]
[City, State Zip]
RE: Dispute Letter of [DATE], Follow-up Letter of [DATE]
NOTICE OF INTENT TO FILE COMPLAINT
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated [DATE], as well as a follow-up letter, dated [DATE]. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago:
[Creditor Agency, Account Number]
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recovery of both damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
You are further directed to supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
[Your name typed]