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Credit Dispute Letter

Credit Dispute Letter Template for Indonesia

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Key Requirements PROMPT example:

Credit Dispute Letter

"I need a Credit Dispute Letter to challenge an unauthorized credit card charge of IDR 5,000,000 that appeared on my Bank Mandiri credit card statement dated January 15, 2025, with supporting evidence of my location during the transaction time."

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Document background
The Credit Dispute Letter is a crucial document in Indonesia's financial services landscape, designed to protect consumers' rights and maintain accuracy in credit reporting. It is used when an individual or business needs to formally contest credit-related issues such as incorrect credit report entries, unauthorized charges, or disputed account information. The document must adhere to requirements set forth by the Financial Services Authority (OJK) and various Indonesian banking regulations, including Law No. 21 of 2011 and Consumer Protection Law No. 8 of 1999. The letter typically includes detailed account information, specific dispute details, supporting evidence, and requested resolution actions, serving as the first formal step in the dispute resolution process within Indonesia's financial regulatory framework.
Suggested Sections

1. Sender's Information: Complete contact details of the sender including name, address, phone number, and any relevant account numbers

2. Recipient's Information: Full details of the credit institution/bureau including name, department, address

3. Date: Current date of the letter

4. Subject Line: Clear indication that this is a Credit Dispute Letter with reference numbers if applicable

5. Account Information: Specific details about the credit account(s) in dispute

6. Dispute Description: Clear and detailed explanation of the credit dispute, including relevant dates and specific issues

7. Evidence Reference: List of supporting documents being included with the letter

8. Request for Action: Specific actions being requested from the recipient

9. Timeline Request: Requested timeframe for response, citing relevant OJK regulations

10. Closing: Formal closing statement with signature block

Optional Sections

1. Previous Communication Reference: Include when there have been prior communications about the dispute

2. Legal Rights Statement: Include when wanting to emphasize consumer rights under Indonesian law

3. Third Party Authorization: Include when the dispute is being filed by an authorized representative

4. Urgency Statement: Include when the matter requires expedited handling due to special circumstances

5. Impact Statement: Include when the credit dispute has caused specific hardships or damages

Suggested Schedules

1. Supporting Documents: Copies of relevant statements, communications, or other evidence supporting the dispute

2. Transaction History: Detailed list of relevant transactions or credit report entries being disputed

3. Communication Log: Record of previous attempts to resolve the dispute, if applicable

4. Identity Verification: Copies of required identification documents as per OJK regulations

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Banking

Financial Services

Consumer Finance

Credit Services

Retail Banking

Consumer Credit

Financial Technology

Debt Collection

Legal Services

Consumer Protection

Relevant Teams

Legal

Compliance

Customer Service

Dispute Resolution

Risk Management

Consumer Protection

Credit Operations

Regulatory Affairs

Customer Relations

Account Management

Relevant Roles

Credit Manager

Compliance Officer

Customer Service Representative

Dispute Resolution Specialist

Legal Counsel

Risk Manager

Consumer Protection Officer

Banking Operations Manager

Credit Analysis Officer

Customer Relations Manager

Financial Services Officer

Regulatory Compliance Manager

Industries
Law No. 21 of 2011 on Financial Services Authority (OJK): Establishes the authority and regulatory framework for financial services in Indonesia, including credit dispute resolution procedures and oversight of financial institutions
Law No. 8 of 1999 on Consumer Protection: Provides the fundamental legal framework for consumer protection in Indonesia, including protection against unfair practices in financial services and credit reporting
OJK Regulation No. 1/POJK.07/2013: Specifies consumer protection requirements in the financial services sector, including complaint handling procedures and dispute resolution mechanisms
Law No. 10 of 1998 on Banking: Governs banking activities in Indonesia, including provisions related to credit services and customer dispute handling
OJK Circular Letter No. 2/SEOJK.07/2014: Provides detailed guidelines for complaint handling and consumer dispute resolution in the financial services sector
POJK No. 18/POJK.07/2018: Regulates consumer complaint services in the financial services sector, including standardized procedures for filing and handling disputes
Law No. 11 of 2008 on Electronic Information and Transactions: Relevant for credit disputes involving electronic records or online banking services
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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