This is a second sample letter requesting the removal of inaccurate information from a credit report. With this letter, always include any copies of proof you may have (i.e., cancelled checks showing timely payments, paid off accounts, loans) that demonstrate that indeed the information in incorrect. It never hurts to include the consequences that have resulted from this wrongful information as well. The credit agencies give the most immediate attention to seriously wronged consumers. Remember the agencies are bombarded with 10,000 letters every day. Keep a copy for your files and send the letter registered mail.

Your Name
123 Your Street Address
Your City, ST 01234
(Current address for the last 5 years)
SSN XXX-XX-XXXX
DOB: 1/1/00

Credit Bureau
Credit Bureau Address
Some City, Any State 56789

Date:

To Whom it May Concern:

I’ve just reviewed my credit report and noticed there are several inaccurate items on my report as follows:

Chase VISA Acct: XXXXX-XXXXX-XXXX-XXX:
This account is listed as being 30 days late. I have never been late on this account.

Sears Acct: XXXXX-XXXXX-XXXX-XXX:
This account is listed as being 30 days late. I have never been late on this account.

Universal Acct: XXXXX-XXXXX-XXXX-XXX:
This account is listed as being 30 days late. I have never been late on this account.

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed:

Diner’s Club Acct: XXXXX-XXXXX-XXXX-XXX
GE Consumer Card Acct: XXXXX-XXXXX-XXXX-XXX
Macy’s Acct: XXXXX-XXXXX-XXXX-XXX

I have enclosed a copy of my driver’s license as proof of identity.

Sincerely,

Your Signature
Your Name

enclosure

_____________________________________________________________________

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