Document background
609 Letters, named after Section 609 of the Fair Credit Reporting Act, are essential tools in U.S. consumer protection law. These letters are utilized when consumers need to challenge or verify debt information appearing on their credit reports or when contacted by debt collectors. The document serves as a formal request requiring credit bureaus or debt collectors to provide detailed verification of the debt's validity, including original documentation, account information, and proof of their right to collect. Used properly, 609 Letters can help consumers dispute inaccurate information, protect against fraudulent claims, and exercise their rights under federal consumer protection laws. The letter must be compliant with both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, making it a significant document in consumer finance disputes.
