This is a basic sample letter to be sent as a first letter, to the credit bureaus, to request investigation of any derogatory items you’ve found to be reporting inaccurate information. Always personalize the letter with different fonts, colors, styles, and words. Be persistent and always follow up.

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Your Name
Your Address
Your City, State, Zip

(Today’s Date)

Credit Bureau Name
Credit Bureau Address
Credit Bureau City, State, Zip

Dear (Credit Bureau),

This is a formal complaint that you are reporting inaccurate and incomplete credit information about me.

I am really stressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish about me.

I’ve been reading up on my rights and have learned that Credit reporting laws ensure that bureaus report only 100% accurate and verifiable credit information and that every step must be taken to assure the information reported is completely accurate and correct.

Therefore the following information needs to be investigated. I respectfully request to be provided with proof of these alleged items, particularly the contract and copy of my government issued identification card, the note, or other instrument bearing my photo and signature which proves beyond a reasonable doubt that I am obligated to this debt. And I’ve learned that if you can’t do that, then the account must be deleted from my report as soon as possible. So here are the items that you’re reporting inaccurately:

(List any inaccurate accounts here – Account Name, Account #, and Balance of Account)

The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information from my file, and supply a corrected credit profile to me right away as well as all creditors who have received a copy of it within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the names, addresses, and telephone numbers of each credit grantor or other subscriber in which you speak with in order to verify this account.

Thank you so much,

Your Name
Your SSN#
Your DOB

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Start Fresh Credit Report Assistants provides free Advisory Services, free Credit Report Audits, and free Identity Theft Assistance. Contact Start Fresh Credit Report Assistants today to take advantage of these free services or give them a call RIGHT NOW, toll-free, at 1-800-581-0093.