Credit Reporting Agency/Bureau Deletions to Credit Report

[Date]

Credit Reporting Agency/Bureau

City, State, Zip

RE: DELETIONS TO CREDIT REPORT

To Whom It May Concern:

I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below:

Item #                                                              Reason for Deletion

According to the provisions of the Fair Credit Reporting Act  611(a) [15 USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.  I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to  611 (a)(6) [15 USC  1681j (a) (6)]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of  612 [15 USC  1681j], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,

Bruce Smith

Address

City, State, Zip

Social Security #