Correction of Information – Credit Reporting Agency
[Use this letter when there is information on your credit report that needs to be corrected.] Date Your Name Your Address Credit Reporting Agency Name [Experian/TransUnion/Equifax] Address Dear [Experian/TransUnion/Equifax]: My credit report has information that needs to be corrected. The enclosed copy of the credit report shows the highlighted item[s] that need[s] attention. Credit Report Line Item: [creditor/account number] Item Description: [from your credit report] This item is [not mine/inaccurate/outdated]. Please [delete it/correct it/update it]. [Provide your details; briefly, but thoroughly explain what needs to be corrected and why. Provide the proper information; names, accounts, dates, amounts, etc.] After the correction(s) are made, please provide me with an updated credit report, and also send to any creditors who have requested my credit report in the last six months. I also need the names, addresses, and telephone numbers of the creditors who received my credit report within the past six months. Thank you for your cooperation. Sincerely,
Your Name Your Telephone Number {Note: Don’t forget to include a copy of your credit report with any questioned items highlighted. Explain what you want corrected and why. Provide proof to support your dispute.}