Similar to DOC ID 052 Corrections to Credit Report, this letter requests the investigation and/or correction of disputed items found in your credit report.
To Whom It May Concern:
RE: DISPUTING CREDIT REPORT
Recently I received my credit report from your agency. My file or report number is ____________________.
In reviewing my report, I noticed the following error(s): I would appreciate it if these errors could be corrected
1._________________________________________________________________________
This item is incorrect because ____________________________________________
And should instead indicate ______________________________________________
2._________________________________________________________________________
This item is incorrect because ____________________________________________
And should instead indicate ______________________________________________.
3._________________________________________________________________________
This item is incorrect because ____________________________________________
And should instead indicate ______________________________________________.
According to the provisions of the Fair Credit Reporting Act §611(a) [15 USC §1681i (a)], these disputed items must be reinvestigated or corrected on my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation so that I may follow up.
Please notify me that the above items have been corrected or deleted pursuant to §611 (a) (6) [15 USC §1681j]. I am also requesting an updated copy of my credit report, which should be sent to my current address listed in this letter. According to the provisions of §612 [15 USC §1681j], there should be no charge for this report.
If you have any questions or need additional information, please contact me at the above address.
Last four digits of SSN: ___________________________________.
Sincerely,