Request For Nature Of Adverse Credit Information

Dear Sir:

This is to acknowledge receipt of your letter of [date]
in which you notified me that my application for credit with
your firm was denied, based on information you had received
from an individual other than a consumer credit reporting
agency.

Pursuant to my rights under federal law, I hereby request
that you disclose the nature of the adverse information
received by you.

Thank you for your cooperation in this matter.