Letter library

Three templates ship today. More land in v2 — see the deferred list in MEMORY.md.

FCRA §611 first-round dispute

fcra_611_initial · 15 U.S.C. § 1681i · 30d response window

Recipient: Credit reporting agency (Equifax / Experian / TransUnion)

Your first letter for any item you can prove is inaccurate, obsolete, or unverifiable. Surgical and cordial — names the violation, cites the statute, asks for the §1681i investigation result + furnisher documentation. 30-day response window.

609_verification

609_verification · · 30d response window

Use from a violation

Method-of-Verification follow-up (§1681i(a)(7))

mov_followup · 15 U.S.C. § 1681i(a)(6)(B)(iii) and § 1681i(a)(7) · 15d response window

Use from a violation

Recipient: Credit reporting agency (whichever bureau verified)

Send when a §611 dispute came back 'verified' with no detail. Demands the furnisher's name + address + a description of the actual investigation procedure. CRAs that ran an e-OSCAR-only check often can't produce this — and must then delete. 15-day window.

FDCPA §809 debt validation

fdcpa_809_validation · 15 U.S.C. § 1692g · 30d response window

Use from a violation

Recipient: Debt collector / debt buyer

Any time a collector is reporting a debt to a bureau. Demands they validate the debt before continuing collection or reporting. Cease-collection language ties continued reporting to §1692e false-rep. Most powerful within 30 days of first contact.

FCRA §623 direct-to-furnisher dispute

fcra_623_furnisher_direct · 15 U.S.C. § 1681s-2(a)(8) · 30d response window

Use from a violation

Recipient: Furnisher (the original creditor / current servicer)

Required precursor to a §623(b) private right of action against the furnisher. Asks for the §1681s-2(a)(8)(E) investigation, not e-OSCAR rubber-stamp. Send AFTER the bureau dispute on the same item.

Cease and desist (FDCPA §1692c(c))

cease_and_desist · 15 U.S.C. § 1692c(c) · 14d response window

Use from a violation

Recipient: Debt collector ONLY (not original creditor — FDCPA §1692a(6) excludes OCs)

Stops collector → consumer communication entirely. After receipt, collector is limited to 3 specific notice types (acknowledging cease, listing remedies, invoking remedies). Continued contact = §1692k violation: $1,000/violation + actual + fees. Many collectors abandon collection rather than risk it. Does NOT stop them from reporting to bureaus or suing — pair with §809 validation or §611 dispute for full coverage.

Goodwill removal request

goodwill · (non-statutory — courtesy request) · 30d response window

Use from a violation

Recipient: Original creditor (NOT a collector)

For isolated 30/60-day late marks on accounts otherwise in good standing. Tone is humble; no legal language. Typical success rate ~10–25%, higher with a brief plausible reason (medical, divorce, billing snafu).

Pay-for-delete (PFD) settlement

pay_for_delete · (non-statutory — commercial settlement) · 30d response window

Use from a violation

Recipient: Debt collector / debt buyer

Conditional settlement: payment in exchange for complete deletion of the tradeline. Default opening offer is 50% of balance. CRITICAL: never pay until you have a signed agreement in writing — paying without one can re-age the SOL on the debt and the collector can still mark it 'paid collection.'

cfpb_complaint

cfpb_complaint · · 60d response window

Use from a violation

state_ag_complaint

state_ag_complaint · · 45d response window

Use from a violation

intent_to_sue

intent_to_sue · · 30d response window

Use from a violation

Deferred templates (v2)

609_verification, mov_followup, goodwill, pay_for_delete, cfpb_complaint, state_ag_complaint, intent_to_sue. The auto-escalation chain in scheduler/check-deadlines.ts activates once these land.