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Disputing Inaccurate Information On Credit File


Sample Dispute Letter for Disputing Inaccurate Information on Credit File

 


Your Full Name
Your Complete Mailing Address
Your City, State, Zip Code

Your Phone Number

Your Social Security Number

 

Date
 
To the Manager/Director

Complaint Department
Name of Credit Bureau
Mailing Address
City, State, Zip Code
 

Dear Sir or Madam:

 

I am sending this notice to prompt your agency of the inaccurate information I have observed on my credit file. The credit report that I have obtained from your organization, dated March 31, 2010 contains outdated information that I would like you to correct immediately.

 

I was planning to use my credit information to get approved for a car loan. However, the misleading details on my report prevented me from getting the auto loan I desperately need.

 

The disputed items I would like you to rectify include the following entries:

 

1.       The travel loan I have taken from Travels and Beyond Financing Firm reflects the principal amount I borrowed from the company, instead of the remaining credit balance on this account.

 

The credit report you have supplied to me shows that I still have a balance of $8,000 on my credit account from Travels and Beyond Financing Firm. However, I have made a total payment of $7,000 on this debt. It seems that the financing firm failed to report regarding the payments I have made on this account. Thus, I encourage you to contact Travels and Beyond Financing Firm to validate my claim. I have also enclosed copies of my payment receipts that will prove my contention. After performing your investigation, I expect that you will update my credit balance on this account.

 

2.       The credit report still marks my debts on my VIS credit card, with account number 785467, open.

 

The debt consolidation loan I have taken on February 25, 2010 provided me sufficient sums of cash to settle all my credit accounts. I believe that I have prioritized paying my balances on my VIS credit card. I have enclosed to this letter the payment records released to me by VIS Credit Card Company which will prove the closing of my credit card debts. I would also like you to verify this by contacting the card company. Once you find my claim valid, I hope that you will immediately close my credit card account.

 

3.       The credit report shows that I have payment delinquency records on my debt consolidation loan.

 

I set up an automatic payment arrangement with GAS Credit Company. Through this program I will no longer have to worry about any late or missed payments on my debt consolidation loan. Thus, I feel dumbfounded when I saw the payment delinquency records on this credit account. Please contact GAS Credit Company and resolve this matter as soon as possible. I have also included in the attachments several copies of the payment receipts issued to me by the credit company for your reference. I hope that these documents will convince you to delete the payment delinquency records on my credit report.

 

Please work on these disputed items right away. I expect your agency to present to me a detailed report of your investigation on my credit records. Also, I would like to be supplied the corrected copy of my credit report exactly one month from the day you received this letter. Kindly send these documents to my office address: <insert your office address here>.

 

I thank you in advance for your time and prompt attention to rectify these items.

 

Sincerely,

Signature

Your Printed Name

 

Attachments:

-          A copy of the credit report in question

-          Copies of Payment Receipts and Records from GAS Credit Company, VIS Credit Card Company and Travel and Beyond Financing Firm

-          A copy of the debt consolidation program taken from GAS Credit Company