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Sample Letter to Dispute Entry of a Credit Report Account

Date
Credit Bureau Name
Address
City State Zip

Re: Your full name

Dear Credit Bureau:

I am disputing (describe entry) on my credit report.

List reasons.

I request that you investigate this account and, if it cannot be verified, remove it from my credit file.

If the entry is removed, I request that you make notification according to 611(d) of the Fair Credit Reporting Act.

Sincerely,

Your full name including generation if applicable

Social security number

Give maiden name if applicable

Give addresses over past five years, including zip code

Give spouse’s full name and social security number if applicable

Provide copy of your current driver’s license or other photo ID.

Date of Birth

Enclose a copy of your credit report with dispute entry highlighted if available