Credit Bureau Dispute Letter

[Your Name]
[Your Address]
[City, State, ZIP]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]

Via Certified Mail, Return Receipt Requested

RE: Dispute of Inaccurate Information - Request for Investigation

To Whom It May Concern:

I am writing to dispute the following inaccurate information that appears on my credit report. Pursuant to the Fair Credit Reporting Act (15 U.S.C. § 1681i), I am requesting that you investigate these items and correct or delete any information that cannot be verified.

DISPUTED ITEM(S):

Account Name: [Name of Creditor/Account]
Account Number: [Full or Partial Account Number]
Reason for Dispute: [Choose one or more:]
- This account does not belong to me
- The balance shown is incorrect
- This account was paid in full
- This account is incorrectly showing as delinquent
- This account is outdated and should be removed (older than 7 years)
- This is a duplicate entry of another account
- [Other specific reason]

Correct Information: [Describe what the correct information should be]

I have enclosed copies of the following supporting documentation:
- [List documents: payment receipts, account statements, identity documents, etc.]

Under the FCRA, you are required to:
1. Conduct a reasonable investigation within 30 days (35 days if I submit additional information)
2. Forward all relevant information I provide to the furnisher
3. Review and consider all relevant information
4. Delete or modify any information that cannot be verified
5. Provide me with written notice of the results

If your investigation determines that the disputed information is inaccurate, incomplete, or cannot be verified, I request that you:
1. Delete the inaccurate information from my credit file
2. Send me a corrected copy of my credit report
3. Send a corrected report to any party who received my report in the past six months

Please note that under the FCRA, failure to conduct a reasonable investigation, or reinserting deleted information without proper notice to me, may result in liability including statutory damages of $100-$1,000 per violation, actual damages, punitive damages, and attorney fees.

I expect to receive your written response within 30 days of receipt of this letter.

Sincerely,

_______________________
[Your Signature]
[Your Printed Name]

Enclosures:
- Copy of government-issued ID
- Copy of utility bill or other proof of address
- [List other supporting documents]