Denial	
  Letter	

  

  

  
Date	
  	
  _____________________________________________________	

	
  
Dear	
  	
  _______________________________________________________________________________________________________	

	

We	
  have	
  denied	
  your	
  application	
  based	
  wholly	
  or	
  in	
  part	
  on	
  information	
  contained	
  in	
  a	
  consumer	
  credit	
  report	
  obtained	
  from	
  Trans	
  
Union.	
  	
  We	
  are	
  hereby	
  informing	
  you	
  of	
  certain	
  information	
  pursuant	
  to	
  the	
  Fair	
  Credit	
  Reporting	
  Act,	
  15	
  US	
  1681,	
  et	
  seq.	
  as	
  
amended	
  by	
  the	
  Consumer	
  Reporting	
  Reform	
  Act	
  of	
  1996	
  (Public	
  Law	
  104-­‐208,	
  the	
  Omnibus	
  consolidated	
  Appropriations	
  Act	
  for	
  the	
  
Fiscal	
  Year	
  1997,	
  Title	
  II	
  Subtitle	
  1,	
  Chapter	
  1).	
  
The	
  decision	
  to	
  deny	
  the	
  application	
  was	
  not	
  made	
  by	
  the	
  following	
  agency	
  and	
  the	
  agency	
  can	
  not	
  explain	
  why	
  the	
  decision	
  was	
  
made.	
  
TRANS	
  UNION	
  
2	
  BALDWIN	
  PLACE	
  
PO	
  BOX	
  1000	
  
CHESTER,	
  PA	
  19022	
  
1-­‐800-­‐888-­‐4213	

  
You	
  have	
  certain	
  rights	
  under	
  federal	
  law,	
  as	
  explained	
  in	
  more	
  detail	
  below.	
  	
  Pursuant	
  to	
  the	
  FCRA,	
  you	
  have	
  the	
  right	
  to	
  obtain	
  a	
  
copy	
  of	
  your	
  credit	
  report,	
  dispute	
  its	
  accuracy,	
  and	
  provide	
  a	
  consumer	
  statement	
  describing	
  your	
  position	
  if	
  you	
  dispute	
  the	
  credit	
  
report.	
  	
  If	
  you	
  believe	
  your	
  report	
  is	
  inaccurate	
  or	
  incomplete,	
  you	
  may	
  call	
  the	
  consumer	
  credit	
  reporting	
  agency	
  at	
  its	
  toll	
  free	
  
number	
  listed	
  above	
  or	
  send	
  a	
  letter	
  to	
  the	
  addresses	
  listed	
  above.	
  
Pursuant	
  to	
  Section	
  612	
  of	
  the	
  FCRA,	
  you	
  have	
  the	
  right	
  to	
  obtain	
  a	
  free	
  copy	
  of	
  your	
  consumer	
  credit	
  report	
  from	
  the	
  consumer	
  
credit	
  reporting	
  agency	
  listed	
  above.	
  	
  You	
  must	
  request	
  this	
  report	
  within	
  60	
  days	
  of	
  the	
  date	
  you	
  received	
  this	
  letter.	
  
Pursuant	
  to	
  Section	
  611	
  of	
  the	
  FCRA,	
  if	
  you	
  dispute	
  any	
  of	
  the	
  information	
  in	
  your	
  report,	
  you	
  have	
  the	
  right	
  to	
  put	
  a	
  statement	
  of	
  up	
  
to	
  100	
  words	
  explaining	
  your	
  position	
  into	
  the	
  report.	

  
Sincerely,	

  

Owner/Manager	
  	
  _____________________________________________________________________________________________