Fix Your Credit Report: Dispute Letter Examples & Templates
Letter #1: Dispute Inaccurate Missed Car Payments on Credit Report
While applying for a home equity loan, I discovered an error on my credit report showing four missed payments on a new car. I have never purchased a new car, and my only vehicle is ten years old, paid for in cash. Please investigate and remove this inaccurate information from my credit report.
Letter #2: Dispute Inaccurate Repossession on Credit Report
My credit report falsely claims I failed to make payments on a repossessed stereo set. I have never purchased a stereo set on credit and have no history of credit problems. Please investigate and correct this error, which may be due to confusion with another individual named John Doe (with middle initial M).
Letter #3: Dispute Fraudulent Charge on Credit Report
My credit report shows an $856.00 charge at Doe's Floral in Springfield, KS, on 5/16/2018, which I did not make. I was in Italy during that time and have enclosed supporting documentation. My credit card was stolen in April 2018, and this charge appears to be fraudulent. Please remove it from my record.
Letter #4: Correct Bankruptcy Filing Date on Credit Report
My credit report incorrectly lists my bankruptcy filing date as May 2018. The correct date is April 2018, as evidenced by the enclosed court documents. As seven years have passed since filing, my credit should be clear. Please update your records and send a corrected report to Doe Lending Company.
Letter #5: Dispute Inaccurate Account Balance
My credit report shows an incorrect balance of $[incorrect amount] for account #[account number]. The correct balance is $[correct amount]. Please update your records to reflect the accurate information.
Letter #6: Dispute Inaccurate Credit Limit
My credit report incorrectly states my credit limit for account #[account number] as $[incorrect amount]. The correct credit limit is $[correct amount]. Please update your records accordingly.
Letter #7: Dispute Inaccurate Account Status
My credit report incorrectly lists account #[account number] as [incorrect status]. The correct status is [correct status]. Please rectify this error and update my credit report.
Letter #8: Dispute Unrecognized Account
I have found an unrecognized account (#[account number]) on my credit report. I have never opened or used this account. Please investigate and remove this fraudulent account from my report.
Letter #9: Dispute Incorrect Personal Information
My credit report contains incorrect personal information, including my [incorrect information]. The correct information is [correct information]. Please update my records accordingly.
Letter #10: Request Removal of Outdated Negative Information
Negative information on my credit report from [date] is outdated and should no longer be included. This information is negatively impacting my credit score. Please remove it in accordance with credit reporting regulations.
Letter #11: Dispute Incorrect Credit Limit
I am writing to dispute the credit limit reported on my credit report. My current credit limit with [Creditor Name] is $[Correct Credit Limit], but it is incorrectly listed as $[Incorrect Credit Limit]. Please investigate and correct this error promptly.
Letter #12: Dispute an Account Listed as Collection
I am writing to dispute an account listed as in collection on my credit report. I have attached proof of payment for this account and request that it be removed from the collections section immediately.
Letter #13: Request Removal of Fraudulent Account
I am writing to report a fraudulent account that has been opened in my name. I have never applied for or used this account, and I request that it be removed from my credit report immediately. I have filed a police report and attached a copy for your reference.
Expert Tips
- Clearly identify the errors in your credit report, providing specific details like account numbers, dates, and amounts.
- Explain why the information is inaccurate and provide supporting evidence if available.
- Politely request a reinvestigation and correction of the errors.
- Include copies of relevant documents to support your claim.
- Request confirmation of the corrections in writing.
Write Unique and Personalized Letters: A Step-by-Step Guide
Follow these simple steps to write your own error letter effectively:
Sample Sentences
- The information in your files on our car payment history is incorrect. I am enclosing copies of all our statements from the financing company, and as you will see, all the payments were made on time. We paid off the debt two months early, in June 2018.
We were certainly never notified of repossession proceedings, as your report indicates. - Please add this letter to our company's file. Our company, "Doe International," changed its name from "Doe Corporation" in January 2018, the date you have given for the company's inception. Doe Corporation has been in business since April 1992, and is thus not a new company at all.
- There is an inaccurate entry on my credit report, and I must request that you remove it. The report shows a tax lien against my property at 648 Maple Lane, Centerville, Kansas, for the year 2018. I have spoken with the county recorder, who agreed that this was an error. You can expect a letter from her soon.
- I would appreciate your assistance in correcting an error on my credit report, which shows an outstanding balance of $987.65 owed to Doe Corporation. I am enclosing copies of my cancelled check and their final two statements, the second one showing the amount as "paid in full.."
- There is a great deal of erroneous information on my credit report, which shows accounts I have not opened and debts I have not incurred. Are you perhaps confusing two different people? I am enclosing a copy of the report you sent me with the incorrect items marked, and the following information, which may be of assistance:
My full name is John Eric Doe.
My Social Security Number is 555-55-5555.
I have lived at the above address for the past 30 years.
Key Phrases
- a serious error in my credit report
- am sure you appreciate the seriousness of
- appear to have been mishandled
- as you can see
- as reflected by the county records
- attached statements from the bank
- attached is a copy of canceled check #222
- balance was paid in full on
- can expect a letter from
- changed the company name
- could be detrimental to
- could jeopardize my financial future
- credit report does not accurately reflect
- discovered an inaccurate entry in
- disturbed by the inaccuracies in our credit report
- enclosed are copies of
- enclosed statements of payments received
- have been erroneously penalized for
- have spoken with the
- have an impeccable credit record
- have made an error in
- included all statements from the financing company
- including copies of all statements
- incurred no debt during this time
- kindly add this letter to our file
- made all payments on time
- must realize the importance of an accurate credit history
- my former name was
- our records show that
- payment record is exemplary
- payment history is incorrect
- shows an outstanding balance of
- the following information may be of assistance
- was shocked to receive
- would appreciate your assistance in
Sample Sentences
- Kindly correct your records, send us a corrected report, and notify all those to whom erroneous reports have been distributed.
- Please send us a revised summary, including the above information.
- Please take any necessary steps to correct my credit report, and send me an amended copy.
- Please delete the erroneous information and send me a copy of the corrected report.
- Please examine your records and send me a copy of the corrected report.
Key Phrases
- contact the county records office
- correct my credit report
- delete the erroneous information
- detail the correct credit information
- do not hesitate to contact me
- examine your records
- help us get to the bottom of
- hope this will not have a negative effect on our
- kindly correct your records
- let me know when this has been corrected
- look forward to receiving a revised report
- nip this problem in the bud
- notify all those who have received this erroneous information
- please update your credit records
- refer this problem to
- refer to the enclosed copies of
- remove the outstanding balance
- request your assistance in
- request a complete investigation into
- send me a copy of the corrected report
- send me a corrected copy of
- send us a revised report
- take the necessary steps to
- take measures to avoid future inaccuracies
- to anyone you have misinformed
- would appreciate your
- your prompt attention to
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