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Sample
Credit Report Dispute letter:
Here is a sample letter to send to dispute an error in your credit report.
Feel free to copy it exactly:
Date
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Credit Reporting Agency
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in
my file. The items I
dispute are also encircled on the attached copy of the
report I received.
(Identify item(s) disputed by name of source, such as
creditors or tax
court, and identify type of item, such as credit
account, judgment, etc.)
This item is (inaccurate or incomplete) because
(describe what is
inaccurate or incomplete and why). I am requesting
that the item be
deleted (or request another specific change) to
correct the information.
Enclosed are copies of (use this sentence if
applicable and describe any
enclosed documentation, such as payment records, court
documents)
supporting my position. Please reinvestigate this
(these) matter(s) and
(delete or correct) the disputed item(s) as soon as
possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing) |
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If this doesn't work, you can write a letter to the FTC itself.
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