If it has been thirty days since you disputed a debt and you still have not received a response from the creditor and/or the credit bureau, then you should follow-up with the credit bureau as soon as possible. It is common for credit bureaus to become overwhelmed with disputes, and sometimes dispute letters get overlooked.

However, sometimes creditors and credit bureau simply ignore dispute letters because they do not want to spend time trying to validate a debt. Below is the proper way to follow-up a dispute letter.

Your Name
Your Street Address
Your City, State ZIP Code

Credit Bureau Name
Their Street Address
Their City, State ZIP Code

05/06/1990

Dear Credit Bureau,

On (Date first letter was sent), I sent you a letter requesting several highly derogatory items which do not pertain to me, be investigated on my credit report. Please see the enclosed copy.

Additionally, on (Date second letter was sent), I sent you a letter requesting that you expedite this investigation. Please see the enclosed copy. Since then, more that a reasonable amount of time has passed.

To date, I have not received a response to either letter! Please be advised that unless my credit investigation is completed by (Date 3 weeks from date of this letter), I will file a formal complaint with the Federal Trade Commission. I hope this will not be necessary.

Sincerely,

Your Signature

Your Name
SSN# xxx-xx-xxxx

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Tags: 3 Weeks, Credit Bureaus, Credit Report, Creditors, Dispute Letter, Federal Trade Commission, Follow-Up Dispute Letter, Sample Credit Letter, Thirty Days, Validate a Debt

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