This form is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (e.g., copies of cancelled checks showing timely payments). If the person claims that the information of the bureau is erroneous, the bureau must take steps within a reasonable time to determine the accuracy of the disputed items. If no correction is made, the debtor can write a 100 word statement of clarification which will be included in future credit reports, even it the agency disagrees with clarification.
Subject: Houston, Texas: A Vibrant City Filled with Rich History and Exciting Opportunities Dear [Credit Bureau's Name], I hope this letter finds you well. I am writing to bring to your attention certain inaccuracies within my credit report that require your prompt attention. As a resident of the bustling city of Houston, Texas, I am compelled to rectify these errors in order to maintain the integrity and accuracy of my credit information. Houston, the largest city in Texas and the fourth-largest in the United States, is a melting pot of diverse cultures, booming industries, and captivating attractions. It prides itself on its rich history, world-renowned medical facilities, vibrant arts scene, and thriving business districts. However, the inaccuracies present in my credit report do not reflect the true financial standing I have maintained throughout my time calling Houston home. In reviewing my credit report, I have noticed several discrepancies that require immediate resolution. These concerning misrepresentations affect my creditworthiness and hinder opportunities for securing loans, mortgages, and other financial endeavors. I kindly request your assistance in addressing the following inaccuracies: 1. Outdated account information: Several of the listed accounts within my credit report have incorrect dates and balances. I request that you update this information to accurately reflect my current financial status. 2. Duplicate accounts: Within my credit report, I have noticed multiple listings for the same account. This redundancy is misleading and adversely affects my credit score. I request that you consolidate these accounts into one accurate representation. 3. Inaccurate payment history: My credit report contains records of late payments and delinquencies that are not accurate. I have consistently made timely payments and fulfilled my financial obligations as per the agreed-upon terms. I ask that you rectify these errors to accurately reflect my responsible payment history. 4. Identity theft concerns: Upon reviewing my credit report, I observed accounts and inquiries that I did not initiate, indicating potential identity theft. I urge you to investigate these unauthorized activities further, promptly removing any fraudulent accounts from my report to safeguard my financial well-being. 5. Miscellaneous errors: Additionally, I have spotted various clerical errors, misspellings, and outdated personal information within my credit report, such as my address, phone number, and employment details. I kindly request that you correct these inaccuracies promptly. As an upstanding member of the Houston community who has actively managed their finances responsibly, maintaining an accurate credit report is of utmost importance to me. These inaccuracies have the potential to create significant obstacles when pursuing future financial opportunities or making important life decisions. I kindly request that you initiate a thorough investigation into these discrepancies and ensure their prompt resolution. I implore you to notify me promptly regarding the steps taken to rectify the inaccuracies and provide me with an updated credit report reflecting the corrections made. Thank you for your attention to this matter. I trust in your professional abilities to resolve these issues efficiently and restore the accuracy and legitimacy of my credit report. Sincerely, [Your Full Name] [Your Contact Information]Subject: Houston, Texas: A Vibrant City Filled with Rich History and Exciting Opportunities Dear [Credit Bureau's Name], I hope this letter finds you well. I am writing to bring to your attention certain inaccuracies within my credit report that require your prompt attention. As a resident of the bustling city of Houston, Texas, I am compelled to rectify these errors in order to maintain the integrity and accuracy of my credit information. Houston, the largest city in Texas and the fourth-largest in the United States, is a melting pot of diverse cultures, booming industries, and captivating attractions. It prides itself on its rich history, world-renowned medical facilities, vibrant arts scene, and thriving business districts. However, the inaccuracies present in my credit report do not reflect the true financial standing I have maintained throughout my time calling Houston home. In reviewing my credit report, I have noticed several discrepancies that require immediate resolution. These concerning misrepresentations affect my creditworthiness and hinder opportunities for securing loans, mortgages, and other financial endeavors. I kindly request your assistance in addressing the following inaccuracies: 1. Outdated account information: Several of the listed accounts within my credit report have incorrect dates and balances. I request that you update this information to accurately reflect my current financial status. 2. Duplicate accounts: Within my credit report, I have noticed multiple listings for the same account. This redundancy is misleading and adversely affects my credit score. I request that you consolidate these accounts into one accurate representation. 3. Inaccurate payment history: My credit report contains records of late payments and delinquencies that are not accurate. I have consistently made timely payments and fulfilled my financial obligations as per the agreed-upon terms. I ask that you rectify these errors to accurately reflect my responsible payment history. 4. Identity theft concerns: Upon reviewing my credit report, I observed accounts and inquiries that I did not initiate, indicating potential identity theft. I urge you to investigate these unauthorized activities further, promptly removing any fraudulent accounts from my report to safeguard my financial well-being. 5. Miscellaneous errors: Additionally, I have spotted various clerical errors, misspellings, and outdated personal information within my credit report, such as my address, phone number, and employment details. I kindly request that you correct these inaccuracies promptly. As an upstanding member of the Houston community who has actively managed their finances responsibly, maintaining an accurate credit report is of utmost importance to me. These inaccuracies have the potential to create significant obstacles when pursuing future financial opportunities or making important life decisions. I kindly request that you initiate a thorough investigation into these discrepancies and ensure their prompt resolution. I implore you to notify me promptly regarding the steps taken to rectify the inaccuracies and provide me with an updated credit report reflecting the corrections made. Thank you for your attention to this matter. I trust in your professional abilities to resolve these issues efficiently and restore the accuracy and legitimacy of my credit report. Sincerely, [Your Full Name] [Your Contact Information]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
