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Dispute template for credit companies

According to TheBalance.com, A sample letter to dispute credit report errors:

Date
Your Name
Your Address, City, State, Zip Code
Your Phone Number and Email

Complaint Department
Name of Company
Credit Bureau Address
City, State, Zip Code

Dear Sir or Madam:

I recently obtained a copy of my credit report from your agency and found the following item to be in error:

Item 1: I dispute the unpaid balance on [ABC credit card] account number [555111]. This account has been paid in full as of [date].

I am requesting that the item be [removed, updated, or other suggested change] to correct the information.

Enclosed are copies of [use this statement if you have bank statements, canceled checks, or other documentation] supporting my position. Please investigate this matter and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,


Your name

Enclosures: [List the documents you are enclosing. If none, do not include this section].

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Experian
P.O. Box 4500
Allen, TX 75013

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

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