To dispute an entry in your credit report because it contains erroneous, misleading, or outdated information, as provided by federal law, simply write a letter to the credit reporting agency. As an example:
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate
and incomplete credit information.
I am distressed that you have included the below information in my
credit profile and have failed to maintain reasonable procedures in
your operations to assure maximum possible accuracy in the credit
reports you publish.
Credit reporting laws ensure that bureaus report only 100% accurate
credit information. Every step must be taken to assure the
information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I
respectfully request to be provided proof of this alleged item,
specifically the contract, note or other instrument bearing my
signature. Failing that, the item must be deleted from the report
as soon as possible:
CREDITOR AGENCY, acct. 123-34567-ABC
The listed item is completely inaccurate and incomplete, and is a
very serious error in reporting. Please delete this misleading
information, and supply a corrected credit profile to all creditors
who have received a copy within the last 6 months, or the last 2
years for employment purposes.
Additionally, please provide the name, address, and telephone number
of each credit grantor or other subscriber.
Under federal law, you have 30 days to complete your re-
investigation. Be advised that the description of the procedure used
to determine the accuracy and completeness of the information is
hereby requested as well, to be provided within 15 days of the
completion of your re-investigation.