Free Credit Report Dispute Letter Template
Credit Report Dispute Letter
Date: October 4, 2050
Sigmund Corwin
WinGroup
sigmund@you.mail
Seattle, WA 98101
222 555 7777
Dear Mr. Corwin,
I hope this letter finds you well. My name is [Your Name], and I am writing to formally dispute certain items that I believe are inaccurate in my credit report. After reviewing my credit file, I have identified several discrepancies that require your attention and correction.
The items in question include:
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Account Name: First National Bank
Account Number: 123456789
Disputed Amount: $1,200I have reason to believe this account does not belong to me. I request that you verify the validity of this account and provide me with the relevant documentation that supports its accuracy.
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Account Name: Horizon Credit Union
Account Number: 987654321
Disputed Amount: $500This entry shows a late payment for March 2024, which I believe to be an error. I have attached supporting documentation that indicates all payments were made on time. I kindly ask that you review this information and remove the late payment notation.
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Account Name: Global Lending Services
Account Number: 246810121
Disputed Amount: $300I have never had any dealings with this company. I ask that you investigate this matter and remove this account from my credit report.
I have enclosed copies of relevant documents that support my claims for your review. These include:
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Credit report excerpts highlighting the disputed items
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Payment receipts and bank statements for verification
Under the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these discrepancies. I would appreciate receiving a written response within 30 days of your receipt of this letter, detailing the findings of your investigation and any actions taken.
Thank you for your attention to this matter. Please feel free to contact me at [Your Email] or [Your Company Number] if you require any further information or clarification.
Sincerely,
[Your Name]
