Dear [Credit Reporting Agency], I am writing to dispute the erroneous information that appeared on my latest credit report. I have carefully reviewed the report and found several inaccuracies that need immediate attention. I kindly request that you investigate and rectify these errors as soon as possible. Firstly, there is an incorrect late payment record associated with my credit card account from [Credit Card Company]. I have never been late on my payments, and I have attached copies of my bank statements and credit card statements as evidence of my consistent on-time payments. I urge you to remove this erroneous late payment notation from my credit report promptly. Furthermore, my student loan account with [Student Loan Provider] has been incorrectly reported as in default. This is completely false, as I have always made my student loan payments in full and on time. I have attached documents confirming my regular payments and receipts from the loan provider. I kindly request that you investigate this matter and remove the default status from my credit report immediately. Moreover, my previous address of [Previous Address] is still being listed on my credit report, despite my move to Collin, Texas in [Date]. As per the Fair Credit Reporting Act, it is crucial that my current address is accurately reflected on my credit report. I request that you update my address to [Current Address] to ensure the integrity of my credit information. Additionally, there is a collection account from [Collection Agency] listed on my report that is entirely inaccurate. I have never had any business dealings or obligations with this collection agency or the alleged creditor. I dispute the validity of this collection account and request its immediate removal from my credit report. Furthermore, I have enclosed supporting documents that prove my lack of association with this account. In light of the aforementioned discrepancies, I kindly request that you investigate these matters thoroughly and correct the erroneous information on my credit report without delay. As a responsible consumer, I expect fair and accurate reporting maintaining the integrity of my credit history. Please provide me with written confirmation once these issues have been resolved, and an updated credit report reflecting the corrections. I look forward to a prompt resolution of this matter, and thank you for your attention to detail. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone Number] [Email Address] Keywords: Collin Texas, erroneous information, credit report, dispute, inaccuracies, investigate, rectify, late payment, credit card account, student loan, default, previous address, current address, Fair Credit Reporting Act, collection account, collection agency, discrepancies, correction, consumer, credit history, resolution.
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.