Sample Credit Dispute Letter
To dispute an item on your credit report, please use the following letter as a template for your communication with the credit bureau, this is a new custom one I wrote myself and have only used it once so by all means go ahead, this one is sent to TransUnion, so just change the address and credit agency name where applicable:
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John Doe SSN#: 000-00-0000 TransUnion Customer Disclosure Center Trans Union Consumer Relations PO Box 2000 Chester, PA 19022-2000 November 1, 2008 To Whom It May Concern: I am writing this letter in order to file a formal complaint regarding inaccurate adverse information in my TransUnion credit file. It upsets me greatly that so many of these items are in my credit file, when I know for a fact that they are not mine. I am sure you know that credit reporting agencies are required by law to report accurate information. I am positive that the inaccurate information is a result of a clerical error on the part of you or the original creditor. As a result of this inaccurate information, I have been passed up on employment applications and have been denied further credit. Please delete and verify the following items from my report immediately, thank you.
Please delete the above items ASAP, thanks much. Respectfully yours, John N. Doe |
