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Your name
Your street address
Your city
Your state

Date:

RE: list of creditor agency and account numbers of each

Credit Bureau Name
Credit Bureau Address

Dear Sir/Madam,

This is a formal letter of complaint against the inaccurate credit information on my credit report. The above referred accounts were included in my bankruptcy instead of showing as ‘charge-offs’, 'past due’ or ‘late’. These incorrect listings have lowered my credit score considerably and it is also preventing me from buying a home.

With this letter is enclosed a copy of my bankruptcy discharge papers as proof . Please take a note of the dates.

Please correct your records at the earliest.

Sincerely,

Your signature
Your name

Encl: give the list of enclosed documents.