Fix Credit Report Errors - 3 Easy Steps - Page 2
2. You should also send a letter and any supporting documentation to the organization that reported the information indicating which information is in error.
3. In cases where the consumer reporting agency will not correct your credit file for whatever reason, you must request that the reporting agency include a statement of dispute in your file. You should also ask the consumer agency to furnish the letter whenever an inquiry is made against your credit file.
The FTC recommends a sample letter as follows:
Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible. Sincerely, Your name
Enclosures: (List what you are enclosing.)
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