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The Dispute Credit Report Letter is a crucial document used when an individual or business identifies incorrect, incomplete, or outdated information in their credit report within the Belgian jurisdiction. This formal communication is essential for exercising rights under Belgian financial regulations, the Belgian Privacy Act, and GDPR. The document should be used when discrepancies are found in credit reports issued by Belgian credit bureaus or the National Bank of Belgium's Central Individual Credit Register. It typically includes detailed identification of disputed items, supporting documentation, and specific correction requests. The letter must comply with Belgian legal requirements for credit dispute resolution and data protection, including mandatory response timeframes for credit reporting agencies. This document is particularly important as credit report accuracy directly impacts financial opportunities and legal rights under Belgian consumer protection laws.

1. Sender Information: Full name, address, and contact details of the person disputing the credit report

2. Recipient Information: Name and address of the credit reporting agency or bureau

3. Account Identification: Personal identification numbers, credit report reference numbers, and any relevant account numbers

4. Dispute Statement: Clear statement indicating this is a formal dispute under Belgian law and GDPR

5. Disputed Items: Detailed list of specific items being disputed in the credit report

6. Factual Basis: Explanation of why each disputed item is incorrect or incomplete

7. Legal Basis: Reference to relevant Belgian and EU laws supporting the right to dispute

8. Requested Actions: Specific actions requested from the credit bureau (investigation, correction, deletion)

9. Response Timeline: Statement regarding expected timeline for response as per Belgian law

10. Signature Block: Formal closing, date, and signature