Notice of Credit Report Error

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									Notice of Credit Report Error
Credit report errors are common and can happen to anyone. It is important to frequently
view your credit report and get false information removed so it will not negatively affect
your credit raping. This template can be used by individuals that have false information
on their credit report to notify the credit bureau of the error, why it is an error, supporting
documentation, and more. This template can be used by individuals or small businesses
that want to notify credit bureaus of false information on a credit report.
                    ______________________ [Instructions: Insert the Consumer’s name]
                  _________________________ [Instruction: Insert address line 1]
                  _________________________ [Instruction: Insert address line 2]

                                                   ____________________ [Instructions: Insert the date]

___________ [Instructions: Insert the Credit Bureau’s name]
___________ [Instructions: Insert address line 1]
___________ [Instructions: Insert address line 2]

         RE:      Notice of Credit Report Error

To Whom It May Concern:

       I recently reviewed a copy of my credit report and noticed that your bureau is reporting
several inaccurate items in my file (Name: _________________, [Instructions: Insert the
Consumer’s name] Social Security Number: ___-__-____ [Instructions: Insert SSN]). The
purpose of this letter is to dispute the inaccurate items and request that that your bureau correct
and remove these inaccurate items as soon as possible. Enclosed, as Exhibit “A”, please find a
copy of the credit report I received. I have circled the items for which I am disputing the
accuracy.

       The ___________ [Instructions: Insert the type of error, i.e. credit account,
mortgage, student loan, judgment, etc.] allegedly owed to _______________ [Instructions:
Insert the Creditor’s name], listed on page ___ [Instructions: Insert page number] is
inaccurate because _________________________________________. [Instructions: Insert
why it’s inaccurate] Enclosed as Exhibit “B” are copies of _____________________________
[Instruction: Insert a description of the attached supporting evidence, i.e. payment records,
receipts, court documents, etc.) supporting my position. Based on the foregoing, I hereby
request that this item be deleted.

        The __________________________ [Instructions: Insert the type of item, i.e. credit
account, mortgage, student loan, judgment, etc.] allegedly owed to ___________
[Instructions: Insert the Creditor’s name], listed on page __ [Instructions: Insert page
number] is inaccurate because ________________ [Instructions: Insert Why Inaccurate].
Enclosed as Exhibit “C” are copies of ___________________ [Instructions: Insert a
description of the attached supporting evidence, i.e. payment records, receipts, court
documents, etc.) supporting my position. Based on the foregoing, I hereby request that this item
be deleted.

        As you undoubtedly are aware, credit reporting laws require that credit bureaus only
report accurate credit information. With this in mind, I ask that you promptly investigate these
matters and delete the disputed items before there is further damage to my good credit standing.
Please be advised that in the event that, within ___________ (____) days [Instructions: Insert
the number of days] from the date of this letter, I have not received a response to this letter,
evidencing a good faith effort to investigate and resolve these matters I may immediately, and



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without further notice to you, pursue all of my legal and equitable rights and remedies.

        Please note that the foregoing is not intended to be a full and complete statement of the
facts and circumstances attendant to this matter. Nothing contained herein or omitted herefrom
shall be deemed to be an admission of any fact or a waiver or relinquishment of any of my rights
and remedies, in equity or at law, all of which are expressly reserved.

                                                        Very truly yours,




                                                        ______________ [Instructions: Insert name]

Enclosure




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                                                    EXHIBIT A

                                                CREDIT REPORT




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                                                    EXHIBIT B

Evidence Proving Inaccuracy of ___________ [Instructions: Insert Creditor Name] Item (Page
                          __ [Instructions: Insert Page Number])




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                                                    EXHIBIT C

Evidence Proving Inaccuracy of ___________ [Instructions: Insert Creditor Name] Item (Page
                          __ [Instructions: Insert Page Number])




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