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A Credit Dispute Letter is essential in the UAE's regulated banking environment when consumers identify inaccuracies in their credit reports or banking records. This document is specifically designed to comply with UAE Federal Law No. 6 of 2010 and the Al Etihad Credit Bureau regulations, providing a formal mechanism for disputing credit information. It should be used when there are discrepancies in credit reports, incorrect payment records, unrecognized accounts, or other credit-related issues. The letter must include specific details about the disputed information, reference relevant documentation, and clearly state the requested corrections. In the UAE's banking system, this document initiates a formal investigation process, requiring financial institutions to respond within legally mandated timeframes. The letter serves as a critical first step in protecting consumer rights and maintaining accurate credit records within the UAE's financial system.

1. Sender Information: Full name, address, Emirates ID number, and contact details of the person disputing the credit information

2. Recipient Details: Name and address of the credit bureau, bank, or financial institution to whom the dispute is addressed

3. Account Information: Relevant account numbers, credit report reference numbers, and any other identifying information

4. Dispute Description: Clear and specific description of the credit information being disputed, including dates and amounts

5. Correction Request: Specific statement of what information needs to be corrected and how it should be corrected

6. Legal Basis: Reference to relevant UAE laws and regulations supporting the dispute

7. Closing Statement: Formal request for action and timeline expectations as per UAE law