This is a sample letter requesting the removal of inaccurate information from a credit report. With this letter, always include any copies of proof you may have (i.e., cancelled checks showing timely payments, paid off accounts, loans) that demonstrate that indeed the information in incorrect. It never hurts to include the consequences that have resulted from this wrongful information as well. The credit agencies give the most immediate attention to seriously wronged consumers. Remember the agencies are bombarded with 10,000 letters every day. Keep a copy for your files and send the letter registered mail.
123 Your Street Address
Your City, ST 01234
(Current address for the last 5 years)
Credit Bureau Address
Some City, Any State 56789
To Whom it May Concern:
Dear Credit Bureau:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.
I am very distressed that you have included the information noted below in my credit profile due to its damaging effects on my good credit standing. As you no doubt are 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, 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 that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.
The following information, therefore, needs to be verified and deleted from the report as soon as possible:
CREDITOR AGENCY, acct. XXXX-XXX-XXXX-XXXX
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