Sample letter: Dispute a debt with creditor The Debt Adviser by Steve Bucci • Bankrate.com

Here is a sample letter you can use when you have a dispute 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

Return to "Disputing inaccurate credit report information with a debt collector"

The Debt Adviser, Steve Bucci, is the president of Money Management International Financial Education Foundation and the author of "Credit Repair Kit for Dummies." Visit MMI for additional debt advice or to ask a question of the Debt Adviser go to the "Ask the Experts" page.