Date
Your Name, Your Address
Your City, State, Zip Code
Email address
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. I've [highlighted or circled] the items I dispute on the attached copy of the report I received.
This item [identify item or items disputed by name of source, such as name of creditor or tax court, and identify type of item, such as credit account, judgment, etc.] 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 or court documents] supporting my position. Please reinvestigate [this matter or these matters] and [delete or correct] the disputed item[s] as soon as possible.
Sincerely,
Your name
Enclosures: [List what you are enclosing]