**Note: This letter may be adjusted to send to a Creditor as well as the Credit Bureaus**

Letter Date

Credit Bureau Name
Credit Bureau Address

RE: Submission of dispute
ID#: if provided on credit report

To Whom It May Concern:

According to my rights under the Fair Credit Reporting Act, I am disputing the credit items below, as they pertain to:

Your Name
Your Current Address
SSN
DOB

Credit Report Date: Date

Items disputed:

Creditor
Account Number
**Statement of dispute, i.e. “This is not my account”, “This item is inaccurate”

Creditor
Account Number
**Statement of dispute, i.e. “This is not my account”, “This item is inaccurate”

Please return an updated credit report, showing these items have been corrected. Should verification NOT be provided to you within 30 days, I fully expect these items to be permanently deleted.

Sincerely,

Your Name
Your Address

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