Date

Your Name
Your Address
City, State Zip

Credit Bureau
Bureau Address
City, State Zip

Dear Credit Bureau,

This letter is a formal complaint that you are reporting inaccurate credit information.

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a <insert credit type for which you were denied here>, which was highly embarrassing and has negatively impacted my lifestyle.

optional With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.

The following information therefore needs to be verified and deleted from the report as soon as possible:

CREDITOR AGENCY, acct. 123-34567-ABC

Please delete the above information as quickly as possible.

Sincerely,

Your Signature

Your Name
SSN# 123-45-6789
Attachment included


Date

Your Name
Your Address
City, State Zip

Credit Bureau Name
Credit Bureau Address
City, State Zip

To Whom It May Concern:

I sent a letter to you disputing 5 accounts as erroneous on Jan-10-2013 certified mail, return receipt requested. I received notice in the mail that you received the dispute on on Jan-13-20XX. It is now February 13, 20XX and I have not received a response from you. Per the Fair Credit Reporting Act, Section § 611 (a) (5), you have 30 days to investigate disputes. If you cannot verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a $1000 fine per undeleted item.

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed.

Thanks in advance to your timely response to this request.

Sincerely,

Your Signature

----------------------------

 

Date

Your Name
Your Address
City, State Zip

Credit Bureau
Bureau Address
City, State Zip

Dear Credit Bureau,

This letter is a formal complaint that you are reporting inaccurate credit information.

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a <insert credit type for which you were denied here>, which was highly embarrassing and has negatively impacted my lifestyle.

optional With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.

The following information therefore needs to be verified and deleted from the report as soon as possible:

CREDITOR AGENCY, acct. 123-34567-ABC

Please delete the above information as quickly as possible.

Sincerely,

Your Signature

Your Name
SSN# 123-45-6789
Attachment included


Date

Your Name
Your Address
City, State Zip

Credit Bureau Name
Credit Bureau Address
City, State Zip

To Whom It May Concern:

I sent a letter to you disputing 5 accounts as erroneous on Jan-10-2013 certified mail, return receipt requested. I received notice in the mail that you received the dispute on on Jan-13-20XX. It is now February 13, 20XX and I have not received a response from you. Per the Fair Credit Reporting Act, Section § 611 (a) (5), you have 30 days to investigate disputes. If you cannot verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a $1000 fine per undeleted item.

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed.

Thanks in advance to your timely response to this request.

Sincerely,

Your Signature