[Date]
[Addressee]
Dear [Name]:
We regret to inform you that we are unable to open a charge
account for you at present time. Due to information obtained
from the following consumer reporting agency:
[agency name, address and telephone number]
We wish to advise you that you have the right, under federal law,
to obtain full disclosure of the nature and of all information on you
that is contained in the files of the consumer credit reporting agency,
with the exception of medical data, upon the presentment of proper
identification.
Although we are unable to offer you credit terms, we would be
pleased to welcome you as a customer and hope that we will be
able to open a charge account for you some time in the future.
Thank you for submitting your application to us.
Yours very truly,
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