Part 1, Letter #2B

You will send this second letter ONLY if you DO NOT hear back from the
creditor/collection agency in reply to letter #1.

This follow-up letter is designed to be sent if you do not receive a response to your initial dispute or inquiry letter. It reinforces your request for verification or removal of inaccurate or unverified information from your credit report. This letter emphasizes your right under the Fair Credit Reporting Act (FCRA) to receive a timely and thorough response and urges the creditor or collection agency to take immediate action. Sending this letter can help escalate your dispute, protect your credit standing, and ensure that your credit report remains accurate and compliant with federal regulations.