[Your Name]
[Your Address]
[Your Telephone Number]

Date

Experian
P.O. Box 2104
Allen, TX 75013
 
Trans Union
P.O. Box 1000
Chester, PA 19022

Equifax Credit Information Services 
P.O. Box 105873
Atlanta, GA 30348 

	Re:	Credit File of [Your Name]
		SSN:	[Your Social Security Number]

To Whom It May Concern:
       
       Pursuant to the Fair Credit Reporting Act, I formally request that you investigate inaccurate information contained in my credit file maintained by your organization within thirty (30) days of this notice. The item(s) listed below is [Select the appropriate word(s) --inaccurate, incorrect, incomplete, erroneous, misleading, outdated]. 
Line Item: [Creditor’s Name, Account Number, or Line Item Number]
Item description: [as set forth in your credit report] 
       I have enclosed a copy of the credit report given to my by your organization on [report date] and I have circled the item(s) described above. 
       After your investigation, I request that you immediately and [Select the appropriate word(s) -- correct, delete, update] the item and supply a corrected credit profile to me and all creditors who have received a copy within the last 6 months, and the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
       If your investigation shows the information is accurate, then I request that you provide me with proof of its accuracy such as any contract, note or other instrument bearing my signature. Additionally, within fifteen (15) days of the completion of your re-investigation, please forward to me a description of the procedure you used to determine the accuracy and completeness of the item(s) in question. 
Sincerely, 

Signature 
[Printed Name]