[YOUR FULL LEGAL NAME]
[YOUR STREET ADDRESS]
[CITY, STATE ZIP]

[DATE]

[CREDIT BUREAU NAME]
[CREDIT BUREAU DISPUTE ADDRESS]

Sent by certified mail, return receipt requested

RE: Follow-up to my dispute — request for description of reinvestigation
    procedure

To whom it may concern:

I previously disputed information in my credit file by letter dated [DATE OF
YOUR FIRST DISPUTE], which you received on [DATE OF RECEIPT PER YOUR RETURN
RECEIPT]. You responded on [DATE OF THEIR RESPONSE] that the information was
verified. The information remains inaccurate, and I am writing to follow up.

ITEM AT ISSUE
Company shown on the report: [COMPANY NAME AS IT APPEARS]
Account number as shown: [PARTIAL ACCOUNT NUMBER AS PRINTED]
Still reported as: [Quote exactly what the report still says.]

WHY IT REMAINS INACCURATE
[State what is actually true. Identify what new documentation you are enclosing
that you did not send the first time — a second identical letter rarely produces
a different result.]

REQUEST FOR DESCRIPTION OF PROCEDURE
I request a description of the procedure used to determine the accuracy and
completeness of the disputed information, including the business name and
address of any furnisher of information contacted in connection with the
reinvestigation and, if reasonably available, the telephone number of that
furnisher.

CORRECTION REQUESTED
[State the specific correction you want.]

I am enclosing additional documentation with this letter and ask that you
reinvestigate in light of it.

MY IDENTIFYING INFORMATION
Full legal name: [YOUR FULL LEGAL NAME]
Date of birth: [MONTH DAY, YEAR]
Last four of Social Security number: [LAST FOUR DIGITS ONLY]
Current address: [YOUR ADDRESS]

ENCLOSURES
1. [Copy of your original dispute letter]
2. [Copy of their response verifying the item]
3. [Copy of the certified mail return receipt from the first dispute]
4. [The NEW documentation supporting your position]
5. [Copy of the current report still showing the item]

Sincerely,


_______________________________
[YOUR FULL LEGAL NAME]


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NOTES — DELETE THIS SECTION BEFORE SENDING

* Send something new. A second copy of the same letter usually produces a second
  copy of the same answer.
* The description of the reinvestigation procedure is worth requesting on its
  own. What comes back — or does not — tells you a great deal about whether
  anything actually happened.
* Keep the verification response. An item that a bureau was told about and left
  in place is a materially different situation from one nobody has looked at,
  and the response letter is the proof of that.
* If you have not already disputed directly with the furnisher, do that now.
* A dispute that fails after you have documented it properly is the point at
  which people commonly bring the question to a lawyer. There are time limits on
  FCRA claims that depend on your facts, so if timing might matter, sooner is
  better than later.

This template is general information, not legal advice, and it has not been
reviewed against your particular situation. Credit File Corrections is not a
law firm and cannot tell you whether what happened to you is a violation.

Related guide:
https://creditfilecorrections.com/disputes/reinvestigation-followup/
Statutory framework: 15 U.S.C. § 1681i(a)(6)(B)(iii), (a)(7)
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