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