Credit Reporting Agency/Bureau Corrections to Credit Report

[Date]

Credit Reporting Agency/Bureau

City, State, Zip

RE: CORRECTIONS 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 corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below:

Item #                                                  Reason for Correction

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.  In the interim, these items should be noted on my credit record as “in dispute.” I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am 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 #