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: Urgent Request for the Removal of Inaccurate Information — Mecklenburg, North Carolina [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Dear [Credit Bureau Name], I am writing to request an immediate investigation and removal of inaccurate information pertaining to my credit history associated with Mecklenburg, North Carolina. I am deeply concerned about the inaccuracies that have recently come to my attention. These errors have unfairly impacted my creditworthiness and the ability to secure favorable financial opportunities. I must emphasize the urgency of this matter as the inaccurate information will likely hinder my chances of obtaining credit, loans, or other financial benefits. The following details will provide an overview of the incorrect entries I have discovered on my credit report: 1. Inaccurate Debt Collection Account: I have noticed that a debt collection account from [Collection Agency Name] is being reported on my credit report. This account does not belong to me and should immediately be removed. I have no records or knowledge of any outstanding debt with [Collection Agency Name] and therefore request its immediate removal from my credit history. 2. Outdated Late Payment: According to my credit report, a late payment was recorded for my [Creditor Name] account in [Month, Year]. However, this information is incorrect as I have always made timely payments for this particular account. This incorrect late payment entry severely damages my credit score and should be removed without delay. 3. Identity Theft Inquiry: I have discovered an inquiry made by [Company Name] on [Date] that I am not familiar with. I suspect this inquiry may be a result of identity theft, as I had not applied for any services or credit from [Company Name] during that period. I kindly request an investigation into this matter and to have the unauthorized inquiry removed from my credit report as soon as possible. 4. Incorrect Personal Information: It has come to my attention that my personal information, specifically my home address and contact details, is outdated on my credit report. To ensure accurate and up-to-date information, I request that you update my personal details accordingly. I kindly request that you conduct a thorough investigation into the aforementioned items and provide me with a written response within 30 days, as per the guidelines outlined under the Fair Credit Reporting Act (FCRA). In accordance with the FCRA, I have enclosed copies of relevant documents supporting my claims. These include documents confirming timely payments, identification proofs, and any correspondence associated with the disputed items. Please find the enclosed documents for your reference. Furthermore, I understand my rights as a consumer under the FCRA, which include the right to a fair and accurate credit report. I also request that you notify me once the investigation is complete and any necessary changes have been made to my credit report. Please note that I expect a prompt resolution to this matter. Failure to adhere to the legal requirements outlined in the FCRA will leave me no choice but to pursue necessary legal actions to protect my rights. Thank you for your immediate attention to this matter. I trust in your expertise and fairness to investigate and rectify the inaccuracies within my credit report in a timely manner. I look forward to receiving your written response within the aforementioned timeframe. Sincerely, [Your Name]Subject: Urgent Request for the Removal of Inaccurate Information — Mecklenburg, North Carolina [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Dear [Credit Bureau Name], I am writing to request an immediate investigation and removal of inaccurate information pertaining to my credit history associated with Mecklenburg, North Carolina. I am deeply concerned about the inaccuracies that have recently come to my attention. These errors have unfairly impacted my creditworthiness and the ability to secure favorable financial opportunities. I must emphasize the urgency of this matter as the inaccurate information will likely hinder my chances of obtaining credit, loans, or other financial benefits. The following details will provide an overview of the incorrect entries I have discovered on my credit report: 1. Inaccurate Debt Collection Account: I have noticed that a debt collection account from [Collection Agency Name] is being reported on my credit report. This account does not belong to me and should immediately be removed. I have no records or knowledge of any outstanding debt with [Collection Agency Name] and therefore request its immediate removal from my credit history. 2. Outdated Late Payment: According to my credit report, a late payment was recorded for my [Creditor Name] account in [Month, Year]. However, this information is incorrect as I have always made timely payments for this particular account. This incorrect late payment entry severely damages my credit score and should be removed without delay. 3. Identity Theft Inquiry: I have discovered an inquiry made by [Company Name] on [Date] that I am not familiar with. I suspect this inquiry may be a result of identity theft, as I had not applied for any services or credit from [Company Name] during that period. I kindly request an investigation into this matter and to have the unauthorized inquiry removed from my credit report as soon as possible. 4. Incorrect Personal Information: It has come to my attention that my personal information, specifically my home address and contact details, is outdated on my credit report. To ensure accurate and up-to-date information, I request that you update my personal details accordingly. I kindly request that you conduct a thorough investigation into the aforementioned items and provide me with a written response within 30 days, as per the guidelines outlined under the Fair Credit Reporting Act (FCRA). In accordance with the FCRA, I have enclosed copies of relevant documents supporting my claims. These include documents confirming timely payments, identification proofs, and any correspondence associated with the disputed items. Please find the enclosed documents for your reference. Furthermore, I understand my rights as a consumer under the FCRA, which include the right to a fair and accurate credit report. I also request that you notify me once the investigation is complete and any necessary changes have been made to my credit report. Please note that I expect a prompt resolution to this matter. Failure to adhere to the legal requirements outlined in the FCRA will leave me no choice but to pursue necessary legal actions to protect my rights. Thank you for your immediate attention to this matter. I trust in your expertise and fairness to investigate and rectify the inaccuracies within my credit report in a timely manner. I look forward to receiving your written response within the aforementioned timeframe. Sincerely, [Your Name]
