Section 609 Information Request
Request disclosure of information in your credit file and the sources behind selected accounts.
Fair Credit Reporting Act (FCRA), Section 609
When to use it
Use to request information in your credit file. This is not a magic deletion loophole; use it to gather facts before a specific dispute.
How to use it
- Attach proof of identity.
- List the accounts or file information requested.
- Review the response for missing or contradictory information.
- Use real errors as the basis for a later dispute.
Template
[Your Full Name]
[Your Mailing Address]
[City, State ZIP]
[Date]
[Credit Bureau Name]
[Credit Bureau Address]
Re: Request for file disclosure under FCRA Section 609
To Whom It May Concern:
I am requesting disclosure of information in my consumer credit file under Section 609 of the Fair Credit Reporting Act.
Please provide the information and source details you maintain regarding:
1. Furnisher / Creditor: [Name]
Account number: [XXXX]
Please include any available source information, furnisher details, and documentation maintained in my file. I have enclosed proof of identity with this request.
Sincerely,
[Your Signature]
[Your Printed Name]
Enclosures: Proof of identity
iRunCredit provides free educational information and document templates. We are not a law firm, credit repair organization, lender, credit bureau, or financial advisor, and nothing here is legal, financial, or credit repair advice. You can dispute credit-report errors and contact creditors yourself for free under federal law. Always verify facts, keep copies, and consider a qualified professional for your specific situation.