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This letter might help you to state your difficulties with the credit report. Please do not forget to enclose the proofs you need when you will send this letter. They might include cancelled checks showing timely payments, paid off accounts, loans etc. You should also keep a copy of your letter to yourself as you might need them sometime.

SSN:
DOB:

Credit Bureau Name
Credit Bureau Address

Date:

Dear Sir/ Madam,

This is a letter to request for the removal of inaccurate information on my credit report. This inaccuracy has resulted in many inconveniences. I have not been able to apply for various loans.

I do understand that you have a huge work load and this would have been a minor flaw. But this has curbed my financial options. For your convenience I am sending you the proofs of the items you need to verify. According to the law these changes must be made at the earliest. Otherwise you are likely to violate the federal law.

Please complete the changes at the earliest and send me a copy of the changed credit report.

Thanks,
Sincerely,

Your Signature
Your Name
Your Address

Enclosure: