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Your Full Name:
Your Permanent address:
Present contact number:

Name of CRA
Address of CRA

Dear CRA (Give the name here),

I would like to dispute the inaccurate information on my credit file. The item(s) have been listed below and a copy of the credit report has been attached with erroneous information circled in red.

Creditor name, account number

Description of item

Item(s) and description of what you want to do with it (i.e. correct the item or remove the item) and provide with valid proof to support your claim.

With compliance to the FCRA, I would request you to investigate into the matter and update my credit report accordingly.

If your investigation validates the record on my file, please provide me with the explanation of the procedure of your investigation to determine the correctness of the item(s) within 15 days of your completion of the re-investigation, obligatory to the FCRA.

Please update the necessary changes and send me the copy of the updated credit report.

Thanks,
Sincerely,

Signature
Printed name

Enclosure: give the description of what has been enclosed with the letter.