Call: (713) 942-0808 |  111 Congress, Ste 400 - Austin, Texas 78701
  Adverse Action


Aggrieved Consumer

123 Main Street

Houston, Texas 77002

(713) 555-5555

Today’s date


Via Certified Mail Return Receipt

PO Box 2000
Chester, PA 19022


Via CMRRR# 3134


Information Solutions

601 Experian Parkway

Allen, TX  75013


Via CMRRR# 1918


c/o CSC Credit Services

652 N. Sam Houston Parkway East, Ste. 400

Houston, TX  77060



 RE:       Aggrieved Consumer Credit Dispute; SS# 123-45-6789 / TDL# 12345678

            Residence 123 Main Street, Houston, Texas 77002.


RE:       (sample) Everybody Rides Auto Finance Company, account no.  ________________, i/n/o Aggrieved Consumer.



Dear Sirs:


I recently obtained a copy of my credit report.    Some of the information on the credit report is wrong.    The specific account tradeline that is wrong is listed above.  The information about this tradeline is wrong because: (choose one or more):


a.        this is not my account and I know nothing about this tradeline;

b.        this is not my account.  I suffered an identity theft and filed fraud alerts with (list Experian, TransUnion, Equifax, local police department) on (list date);   

c.        this is my account but the information is wrong because the debt was discharged in bankruptcy several years ago.  I have attached a copy of my bankruptcy discharge for your review.   The date of last activity should be the date of the bankruptcy discharge;

d.        this account is too old.   This account is more than 7 ½ years old and should be deleted from my account;


Enclosed is a copy of the relevant entry from my credit report so that you can accurately delete my name from any credit reporting on this account and a copy of the letter that I sent to creditor with all attachments.


This entry on my credit report is disputed.  Please conduct an investigation into this tradeline.  If you have any questions, please call.





Aggrieved Consumer

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Mr. Aschermann is licensed to practice law in the State of Texas and is board Certified in Consumer and Commercial Law by the Texas Board of Legal Specialization but Mr. Aschermann is not licensed to practice law in any state other than Texas.

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