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Sample Credit Report Dispute Letter

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This is a sample credit report dispute letter that you can send to credit bureaus. Use this letter to request an update to or a deletion of inaccurate information on your credit report. Replace the [bold statements] with your information.

Sample Credit Report Dispute Letter

Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company


Address
City, State, Zip Code
Dear Sir or Madam:

I recently obtained a copy of my credit report from your agency and found the following item to be in error:

Item 1: I dispute [ABC credit card] account number [555111]. This account has been paid in full.

I am requesting that the item be [removed, updated, or other suggested change] to correct the information.

Enclosed are copies of [use this statement if you have bank statements, cancelled checks, or other documentation] supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.


Sincerely,
Your name
Enclosures: [List the documents you are enclosing. If none, do not include this section].

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