Sample Dispute Letter to Consumer Reporting Agency re Inaccurate Credit Report

[YOUR NAME]
[YOUR ADDRESS]

[DATE]

Sent By Certified Mail No. _________________________
Return Receipt Requested

[NAME OF CREDIT REPORTING AGENCY]
[ADDRESS OF CREDIT REPORTING AGENCY]

Re:      INACCURATE CONSUMER/CREDIT REPORT
REQUEST FOR REINVESTIGATION

To Whom It May Concern:

My social security number is _______________. My date of birth is ___________________. My address is listed above.  

The consumer report that you recently sent me (enclosed) is not accurate because of the entry and reason identified below.  I demand that you contact the furnisher of this inaccurate information, provide all of the information that I am giving you supporting my dispute, that you either note my dispute or not report this inaccurate information in any consumer report provided until such time as you complete your reinvestigation, and that you then stop reporting this inaccurate information upon completing your reinvestigation.

The following entry is inaccurate:

Account Name:
Account Number:
Reason Why Inaccurate:

I request that you investigate this matter and report back to me the results of your investigation.  I want you to report the results of your investigation along with a description of the procedure you used to determine the accuracy and completeness of the information.  Include the name, business address, and telephone number of any person contacted in connection with your investigation.  I also want you to state the resulting actions you took with regard to associating these accounts with me.  Please also provide me with a copy of any documents you reviewed in this process.

Sincerely,



[YOUR NAME WITH SIGNATURE ABOVE]

Enclosures:
Credit Report
[Identify and enclose any supporting documents showing that you have a valid dispute]