Sample Letter and Addresses
Sample Letter
Date
Complaint Department
Name of Bureau (Equifax, Experian or TransUnion)
Address
City, State, ZIP Code
Dear Credit Bureau:
I am writing to dispute the following information in my file. I have circled the item(s) I am disputing on the attached copy of my report. (Include a copy of your report with errors circled clearly.)
The item: (List items separately)
(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.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (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
Address
City, State, ZIP Code
Enclosures: (List what you are enclosing.)
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