Challenge Incorrect Credit Report Entry

Date: ____________________
_________________________
_________________________
_________________________
[name and address of credit bureau]

Date: _________________________
This is a request for you to reinvestigate the following items which appear on my credit report:

[    ]	The following personal information about me is incorrect:
Erroneous Information	Correct Information
________________________________	_________________________________
________________________________	_________________________________
________________________________	_________________________________

[    ]	The following accounts are not mine:
Creditor's Name	Account Number	Explanation
________________________	_____________	____________________________
________________________	_____________	____________________________
________________________	_____________	____________________________

[    ]	 The account status is incorrect for the following accounts:
Creditor's Name	Account Number	Correct Status
________________________	_____________	_____________________________
________________________	_____________	_____________________________
________________________	_____________	_____________________________

[    ]	The following information is too old to be included in my report:
Creditor's Name	Account Number	Date of Last Activity
________________________	_____________	_____________________________
________________________	_____________	_____________________________
________________________	_____________	_____________________________

[    ]	The following inquiries are older than two years:
Creditor's Name	Date of Inquiry
________________________________	_____________________________________
________________________________	_____________________________________
________________________________	_____________________________________

[    ]	The following accounts were closed at my request and should say so:
Creditor's Name	Account Number
________________________________	_____________________________________
________________________________	_____________________________________
________________________________	_____________________________________

[    ]	Other errors:
Explanation
_____________________________________________________________
_____________________________________________________________

I understand that you will check each item above with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. I further understand that under the federal Fair Credit Reporting Act, 15 United States Code section1 681i(a), you must complete your reinvestigation and issue me and anyone who has requested a copy of my credit report within the previous one year (two years if requested for employment purposes) a new credit report within 30 days of receipt of this letter. Thank you.

Sincerely,

_____________________________________________________
Signature

_____________________________________________________
Print Name

_____________________________________________________
Address

__________________________	__________________________
Home Phone	Social Security Number