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.
[Your Name] [Your Address] [City, State, ZIP] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Request for the Removal of Inaccurate Information from My Credit Report Dear [Credit Bureau Name], I am writing to formally dispute and request the removal of inaccurate information from my credit report. This letter is in accordance with the rights granted to me under the Fair Credit Reporting Act (FCRA) and the Vermont Fair Credit Reporting Statute. As a responsible consumer, I regularly review my credit report to ensure its accuracy. However, upon examining the report provided by your agency, I discovered several items that are incorrect and require immediate rectification. The inaccurate information adversely affects my creditworthiness and can potentially impede my ability to secure loans, obtain housing, and secure favorable interest rates. I have outlined the disputed items below, along with the relevant details: 1. [Incorrect Account Information]: On my credit report, I noticed that there is a listing for an account that does not belong to me. The account in question is erroneously linked to my Social Security number and has been reported as derogatory. The inaccurately reported account is as follows: — Account Number: [Account Number— - Creditor Name: [Creditor Name] — Date Opened: [Incorrect Date— - Balance: [Incorrect Balance] — Payment History: [Incorrect Payment History] 2. [Outdated Collection Account]: I also found a derogatory collection account on my report, which is outdated and should no longer be displayed. This account has already passed the permissible period for reporting, as per the FCRA guidelines. The outdated collection account is as follows: — Account Number: [Account Number] — Creditor Name: [Creditor Name— - Date Opened: [Incorrect Date] — Date of Last Activity: [Incorrect Date] — Balance: [Incorrect Balance] 3. [Incorrect Personal Information]: Additionally, there are factual errors in my personal information section, including my current address, employment status, and phone number. Please ensure that these details are updated promptly to reflect accurate information. According to the FCRA, it is the responsibility of credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer dispute. Therefore, I kindly request that you thoroughly investigate these discrepancies and promptly remove the inaccurate information from my credit report to prevent any further damage to my creditworthiness. Enclosed with this letter, I have also provided the supporting documentation as evidence to validate my claims and assist in the investigation. Please find the following documents attached: — Copies of my identification documents proving my identity (such as driver's license, Social Security card) — Copies of relevant account statements or any other supporting proof demonstrating the inaccuracies I kindly request that you notify me in writing of the results of your investigation, including a copy of my amended credit report, once the inaccurate information has been removed. Also, please ensure that the corrected report is shared with all entities who have recently obtained my credit history. Should you require any additional information or need clarification on any aspect of my dispute, please do not hesitate to contact me at the phone number or email address provided below. I appreciate your prompt attention to this matter. Thank you for your assistance in rectifying this issue. I look forward to a timely resolution of this dispute and the restoration of accurate information on my credit report. Sincerely, [Your Name] [Your Contact Information: Phone Number, Email Address][Your Name] [Your Address] [City, State, ZIP] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Request for the Removal of Inaccurate Information from My Credit Report Dear [Credit Bureau Name], I am writing to formally dispute and request the removal of inaccurate information from my credit report. This letter is in accordance with the rights granted to me under the Fair Credit Reporting Act (FCRA) and the Vermont Fair Credit Reporting Statute. As a responsible consumer, I regularly review my credit report to ensure its accuracy. However, upon examining the report provided by your agency, I discovered several items that are incorrect and require immediate rectification. The inaccurate information adversely affects my creditworthiness and can potentially impede my ability to secure loans, obtain housing, and secure favorable interest rates. I have outlined the disputed items below, along with the relevant details: 1. [Incorrect Account Information]: On my credit report, I noticed that there is a listing for an account that does not belong to me. The account in question is erroneously linked to my Social Security number and has been reported as derogatory. The inaccurately reported account is as follows: — Account Number: [Account Number— - Creditor Name: [Creditor Name] — Date Opened: [Incorrect Date— - Balance: [Incorrect Balance] — Payment History: [Incorrect Payment History] 2. [Outdated Collection Account]: I also found a derogatory collection account on my report, which is outdated and should no longer be displayed. This account has already passed the permissible period for reporting, as per the FCRA guidelines. The outdated collection account is as follows: — Account Number: [Account Number] — Creditor Name: [Creditor Name— - Date Opened: [Incorrect Date] — Date of Last Activity: [Incorrect Date] — Balance: [Incorrect Balance] 3. [Incorrect Personal Information]: Additionally, there are factual errors in my personal information section, including my current address, employment status, and phone number. Please ensure that these details are updated promptly to reflect accurate information. According to the FCRA, it is the responsibility of credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer dispute. Therefore, I kindly request that you thoroughly investigate these discrepancies and promptly remove the inaccurate information from my credit report to prevent any further damage to my creditworthiness. Enclosed with this letter, I have also provided the supporting documentation as evidence to validate my claims and assist in the investigation. Please find the following documents attached: — Copies of my identification documents proving my identity (such as driver's license, Social Security card) — Copies of relevant account statements or any other supporting proof demonstrating the inaccuracies I kindly request that you notify me in writing of the results of your investigation, including a copy of my amended credit report, once the inaccurate information has been removed. Also, please ensure that the corrected report is shared with all entities who have recently obtained my credit history. Should you require any additional information or need clarification on any aspect of my dispute, please do not hesitate to contact me at the phone number or email address provided below. I appreciate your prompt attention to this matter. Thank you for your assistance in rectifying this issue. I look forward to a timely resolution of this dispute and the restoration of accurate information on my credit report. Sincerely, [Your Name] [Your Contact Information: Phone Number, Email Address]
