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Company Name
Comapny Address

Date: --------

Re: Account No.--------

Dear Sir/Madam,

This is a letter to dispute the account referred above. I have a case in point that this account information is inaccurate with [name of credit bureaus] and my debt have not yet been verified. But [I was neither late/it is not my account/ I am only an authorized user].

You continue to list the disputed item on my credit report. This has caused immense inconvenience to my financial transactions. I will be forced to sue you for defamation damages and declaratory relief under the FCRA.

<Optional> You can give a sample case of the same type and its favored court ruling to the debtor.

While litigation is not my favored process of dealing in such cases, I will use it just the same to claim my rights.

I look forward to a peaceful resolution of this matter

Sincerely,

Your Signature
Your name
Your address

Encl: the copy of court case you have mentioned