What is the 609 loophole?

Simply put, it’s a process in which you send letters to the three credit bureaus asking them to validate the collection accounts that are present on your credit report.

Thanks to Section 609 of the Fair Credit Reporting Act, this method is often used to dispute errors and any other inaccuracies on your report. This includes things such as Collections, Bankruptcies, Late Payments, Evictions, Repossessions, Hard Inquiries and anything else that shows up on your credit report.

Since you have to keep sending these types of letters, often a person might not have the time to draft them up, gather all the information needed, and keep track of the status of each letter for each credit reporting agency.

What information will I need for the Section 609 Loophole?

You will need basic information about yourself or anyone who you’re helping do this, as well as information of any items that you are wanting to get removed. It will also help to have a copy of your credit report from the credit agency you are sending this letter to. Read our article on how to get your obtain yours for free and whats inside your credit report.

What are the dispute addresses of each credit bureau?


TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000


Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256


Experian National Consumer Assistance Center
P.O. Box 4500
Allen, TX 75013

Section 609 Template 1

Your Name
Your Address
Phone Number

Credit Reporting Agency Address Goes Here

To Whom It May Concern,

I am writing this letter to exercise my right to question the validity of a debt your agency claims I owe.

Pursuant to Section 609 of the Fair Credit Reporting Act, (2) (E): A consumer reporting agency is not required to remove accurate derogatory information from a consumer’s file unless the information is outdated under Section 609 or cannot be verified.

Therefore, I am exercising my right to request verification of the following items:

List any or all the items that you are wanting to dispute. Please include the account names and numbers as it is listed on your credit report.

I have also highlighted these items on the attached copy of my credit report.

I am also requesting that all future correspondence be done through either mail or email. As stated in the Fair Credit Reporting Act, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted.

I appreciate and thank you for your prompt attention to this matter.


Your Signature
Your Full Name

See Attached: List names of any documents that you are attaching

Attach a copy of your proof of identity such as name, birth date, SSN, current mailing address, along with a copy of your credit report with relevant items highlighted, as stated above in the letter.