[Your City, State, Zip Code]
[Credit Bureau Name]
[City, State, Zip Code]
Subject: Disputing Information in Credit Report
I am writing to dispute the following information in my file.
This item [for instance: retailer account at ABC Department Store] is inaccurate [or incomplete] because [describe in detail what is inaccurate or incomplete and why]. I am requesting that this item be removed [or request another specific change to correct the information].
[List and describe any other items you are disputing.]
Enclosed is documentation supporting my request: [describe the documents you’re sending, for instance: my credit report, with the disputed items circled.]
Please investigate this matter and delete [or correct] the disputed item[s] as soon as possible.
Enclosures: [List what you are enclosing]