Your Name
Your Street Address
Your City, ST ZIP

Credit Bureau
Their Street Address
City, ST ZIP

2/14/2000

Dear Credit Bureau,

This letter to formally complain that your agency is reporting inaccurate and incomplete credit information in my credit file.

I am displeased that you are including the information listed below in my credit profile and are not maintaining reasonable procedures in your operations to assure the highest possible accuracy in the credit reports you maintain and sell.

The following information therefore needs to be investigated.  Please provide proof of this alleged item, specifically the contract,  note or other signed agreement.  If the creditor is unable to provide this proof, this item must be deleted from the report:

CREDITOR’S NAME, acct.# 987654-321

The listed item is completely inaccurate and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within 15 days of the completion of your reinvestigation.

Sincerely,

Your signature

Your Name
SSN# 123-45-6789