Sample Letter to Credit Bureaus Requesting to Remove Wrong Information

Your Name
Your Street Address
Your City, State Zip

Complaint Department
Name of Credit Reporting Agency
Their Street Address
City, State, Zip Code

Date

Dear Sir/Madam

I’m writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible. Enclosed are the documents (use this sentence if you have enclosed copies of your payment records or court documents) that support my position. Please look into this (these) matter(s) and (delete or correct) the unverifiable and inaccurate item(s).

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address.

Sincerely,
Your Name
Your Address