MorEquity may report information about your account to the major credit bureaus. Under the Fair and Accurate Credit Transaction Act of 2003, as incorporated into the Fair Credit Reporting Act, you have the right to directly dispute the accuracy or integrity of account information MorEquity reports to the major credit bureaus.
In order to protect your rights regarding any disputed account information, you must do all of the following:
- Any dispute notice must be in writing and sent to MorEquity at the following address: P.O. Box 3327, Evansville, IN 44732-3327. To avoid delays, you should not provide your dispute notice to MorEquity or another address.
- Your dispute notice must sufficiently identify your account relationship with MorEquity, such as your name, address, account number, etc.
- You must specify the information MorEquity is reporting to the credit bureaus and why you are disputing it.
- You must also provide documentation or other information to support your dispute. For example, you may wish to provide a copy of the relevant portion of a credit report containing possibly inaccurate information, copies of account statements or cancelled checks, a copy of a police report or an affidavit of forgery, etc.
If you fail to meet any of the above requirements it may delay response from American General Finance, on behalf of MorEquity, and any possible resolution of your dispute. In most cases, American General Finance will respond to your dispute in writing within 30 days of receiving it.
