Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Credit Bureau
Street
City, ST zipcode

Date:

To whom it may concern:

I am writing to dispute information in my credit report and this letter is a request for assistance. It has come to my attention that information being reported in my credit file is inaccurate and misleading. As a credit reporting agency you are governed by the Fair Credit Reporting Act (FCRA), which is supposed to protect consumers from inaccurate, unverifiable or invalidated information reporting of their credit file.

According to the FCRA, 15 U.S.C. Section 1692g(a), a debtor has 30 days to dispute the validity of a debt. If the creditor cannot provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30-day debt-validation period, and the creditor must provide evidence that the debtor is liable for the account in question. The only notice I have ever received about these alleged debts was in my credit report itself after I was denied credit.

I formally dispute these debts and request the following items be thoroughly investigated and deleted:
(Company), (Account Number), (Amount) Basis for Dispute,
(Company), (Account Number), (Amount) Basis for Dispute,

Upon completion of your investigation please send a description of the procedures used to determine the accuracy of the account(s) I am disputing, as well as the name and contact information of the agent conducting said investigation in case further communication is necessary.

Sincerely,

Signature