Send this to the credit bureaus requesting the removal of inaccurate information.
If you reviewed your credit reports and you don’t agree with some of the information contained on your report, or even if any items are questionable, you can send a credit report dispute letter to each of the credit bureaus. The credit bureaus are obligated by law to investigate your dispute and they must either verify, correct, or delete the item from your record within 30 or 45 days. Always include any copies of proof you may have such as, canceled checks showing timely payments, paid off accounts, loans, and anything that will show the information is indeed erroneous.
Note: Always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2, or a recent utility bill. Only 2 forms of ID are required.
Do not just simply copy this letter. You need to edit this letter and tailor it to your specific situation. If you need additional credit dispute letters, we have more sample letters to handle a variety of credit situations.
To Whom it May Concern,
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor’s part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a (insert credit type for which you were denied here), which was highly embarrassing and has negatively impacted my lifestyle.
(optional) With the proof I’m attaching to this letter, I’m sure you’ll agree it needs to be removed as soon as possible.
The following information needs to be verified and deleted from my credit report as soon as possible:
CREDITOR AGENCY – Account #123-34567-ABC
Please delete the above information as quickly as possible.