DATE
YOUR NAME
YOUR ADDRESS
YOUR CITY, STATE, ZIP CODE
YOUR SOCIAL SECURITY NUMBER

Complaint Department
NAME OF CREDIT REPORTING AGENCY
ADDRESS, CITY, STATE, ZIP CODE

Dear (NAME OF CREDIT REPORTING AGENCY),
I am writing to dispute the following information in my file.
(IDENTIFY DISPUTED ITEM(S) HERE. LIST NAME OF SOURCE, SUCH AS CREDITORS OR TAX COURT, AND IDENTIFY TYPE OF ITEM, SUCH AS CREDIT ACCOUNT, JUDGMENT, ETC.)

The items I dispute are also circled on the attached copy of the file I received.
This item is (INACCURATE OR INCOMPLETE) because (DESCRIBE WHAT IS INACCURATE OR INCOMPLETE AND WHY).

I am requesting that the item be deleted (OR REQUEST ANOTHER SPECIFIC CHANGE) to correct the information.
Enclosed are copies of (USE THIS SENTENCE IF APPLICABLE AND DESCRIBE ANY ENCLOSED DOCUMENTATION, SUCH AS PAYMENT RECORDS, COURT DOCUMENTS) supporting my position.
Please reinvestigate this (THESE) matter(s) and (DELETE OR CORRECT) the disputed item(s) as soon as possible.

Sincerely,
YOUR SIGNATURE
YOUR PRINTED NAME
YOUR SOCIAL SECURITY NUMBER

Enclosures: (LIST WHAT YOU ARE ENCLOSING)