November 10, 2026
[Your full name]
[Your mailing address]
[City, state, ZIP]
[Credit bureau]
[Bureau's dispute address]
Re: Dispute of inaccurate information in my credit report
To whom it may concern:
I am writing to dispute information in my credit report that I believe is inaccurate. I marked the item on the attached copy of my report.
Company that reported it: [Company that reported it]
Account number (last 4 digits): [Last 4 digits]
What is wrong: [What is wrong]
Why it is wrong: [Why it is wrong]
Please investigate this item and correct or delete it. Please send me the results of your investigation in writing and, if my report changes, a free updated copy.
Attached: a copy of my credit report with the item marked.
Sincerely,
[Your full name]