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1. Identity Theft Statement: Include when the dispute involves fraudulent accounts or identity theft, referencing any police reports or FTC Identity Theft Reports

2. Previous Correspondence Reference: Include when this is a follow-up to previous disputes or communications

3. Method of Investigation Request: Specific requests about how the investigation should be conducted, particularly useful for complex disputes

4. Consumer Rights Statement: Reference to specific FCRA rights, included when dealing with unresponsive credit bureaus

5. Cc Recipients: Include when sending copies to other relevant parties such as creditors or the CFPB

1. Supporting Documentation: Copies of relevant documents supporting your dispute (e.g., payment records, court documents, correspondence)

2. Credit Report Excerpts: Relevant pages from the credit report with disputed items clearly marked

3. Identity Verification: Copies of government-issued ID and proof of address

4. Previous Correspondence: Copies of any previous dispute letters or responses from the credit bureau