Enforcement letter used when Experian, Equifax, or TransUnion fails to respond to a dispute within 30 days as required by federal law. Invokes 15 U.S.C. §1681i(a)(1)(A) and §1681i(a)(5)(A), requiring the CRA to delete any item that is inaccurate, incomplete, or cannot be verified. Provides statutory language, case law (Hinkle, 827 F.3d 1304), and fields for certified-mail proof to establish non-compliance and force deletion.
Enforcement letter used when Experian, Equifax, or TransUnion fails to respond to a dispute within 30 days as required by federal law. Invokes 15 U.S.C. §1681i(a)(1)(A) and §1681i(a)(5)(A), requiring the CRA to delete any item that is inaccurate, incomplete, or cannot be verified. Provides statutory language, case law (Hinkle, 827 F.3d 1304), and fields for certified-mail proof to establish non-compliance and force deletion.