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How to dispute a credit report error - sample credit dispute letter
Dear Debt Adviser,
I just found out I have a negative listing on my account that I know is not mine. I tried disputing it with the credit agencies but it came back verified. The agency gave me the name of the collection agency to talk with them directly about it. How do I write a letter regarding this?
– Kami
Dear Kami,
You and a few million other people are dealing with the fallout of inaccurate credit reporting every day. Billions of transactions are reported to the three major credit reporting bureaus each month. Numbers can get transposed, data can be corrupted and any number of things can happen from the time you swipe your card until your payment shows up on your credit report. To me, it’s a minor miracle that the system works as well as it does. It’s the sheer size of the system and the number of moving parts it has that makes correcting inaccurate information a bit tricky. However, it can be done, and I can help you do it.
Sample credit dispute letter
Here is a sample letter you can use when you have a distpute about innacurate information in your credit report:
Date
Creditor Name
Creditor Address
City, State ZIP
RE: Name on Account:
Account #:
To Whom It May Concern:
In reviewing my credit report, I noticed the following discrepancy reported by your company regarding the account listed above and circled on the copy of my credit report which is attached:
Example:
ABC Bank, Account # 123456
Current balance on credit report is $1,500.00
I have no record of ever opening or using this account.
I requested a reinvestigation through Name of Credit Bureau and was informed that you reported the information listed as correct. It is not. In accordance with the Fair and Accurate Credit Transaction Act, I am requesting that you send me proof that the account belongs to me and report that this account is in dispute until this matter is resolved.
Please review this matter and contact me in writing within 30 days with the information that I have requested.
Sincerely,
Enclosure: credit report copy
Your Name
Your Address
City, State ZIP
Your Phone
Disputing inaccurate data on credit report (Bankrate.com)
Dear Debt Adviser, I just found out I have a negative listing on my account that I know is not mine. I tried disputing it with the credit agencies but it came back verified. The agency gave me the name of the collection agency to talk with them directly about it.
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