Free Sample Letter
for Correcting Inaccurate information in Your Personal Credit Profiles
Today's Date
Your Full Name
Current Address
Current Phone Number
Attention: {insert credit reporting agency name} See
addresses below
{add CRA address here}
Dear {credit reporting agency}
This letter is a formal request to correct inaccurate information contained
in my credit file. The item(s) listed below is/are completely (insert
appropriate word(s) {inaccurate, incorrect, incomplete, erroneous,
misleading, outdated} ). I have enclosed a copy of the credit report
your organization provided to me on {insert date of report here} and
circled in red the item(s) in question.
Line Item: {insert name of creditor, account number or line item number)
Item Description: (this info is found on your credit report)
Requested Correction: (describe exactly what you want. If you want
an item deleted say so and explain why. If you want an item corrected
or updated, provide the correct information such as names, dates, amounts
and so forth and any evidence to support your claim).
In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully
request you investigate my claim and, if after your investigation, you
find my claim to be valid and accurate, I request that you immediately
{delete, update, correct} the item.
Furthermore, I request that you supply a corrected copy of my credit
profile to me and all creditors who have received a copy within the last
6 months, or the last 2 years for employment purposes. Additionally,
please provide me with the name, address, and telephone number of each
credit grantor or other subscriber that you provided a copy of my credit
report too within the past six months.
If your investigation shows the information to be accurate, I respectfully
request that you forward to me a description of the procedure used to
determine the accuracy and completeness of the item in question within
15 days of the completion of your re-investigation as required by the
Fair Credit Reporting Act.
I thank you for your consideration and cooperation. If you have any
questions concerning this matter I can be reached at (insert daytime
phone number including area code).
Sincerely,
Signature
Printed Name
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