Date

Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Credit Reporting Agency
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute
are also encircled on the attached copy of the report I received. (Identify item(s)
disputed by name of source, such as creditors or tax court, and identify type of
item, such as credit account, judgment, etc.)

This item is (inaccurate or incomplete) because (describe what is inaccurate or
incomplete and why). I am requesting that the item be deleted (or request
another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed
documentation, such as payment records, court documents) supporting my
position. Please reinvestigate this (these) matter(s) and (delete or correct) the
disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing)