[Your Address][Your City, State, Zip Code]
[Street Address][City, State, Zip Code]
Subject: Disputing Information in Credit Report
I am writing to dispute the following information that your company supplied to [give the name of the credit bureau whose report has incorrect information]. I have circled the items I dispute on the attached copy of my credit report(s).
This item [for instance: retailer account at ABC Department Store and the account number] is inaccurate [or incomplete] because [describe in detail what is inaccurate or incomplete and why] I am requesting that [business name] have the item removed [or request another specific change to correct the information.]
[Add list and description of other disputed items, if that applies.]
Enclosed are copies of [my credit report and any other documents enclosed with a short description, for instance, your record of payments made] supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete [or correct] the disputed item(s) as soon as possible.
Enclosures: [List what you are enclosing]