Your Name
123 Your Street Address
Your City, State 01234
The Credit Bureau
Bureau Address
Anytown, State 56789
Date
Re: (Your Name, Your Social Security #, Your Address, Inaccurate Account Name, Inaccurate Account Number)
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate credit information in reference to the above account. The Fair Credit Reporting Act states that credit bureaus should report only accurate credit information. This inaccurate information is a mistake.
This inaccurate information is damaging my reputation and is keeping me from getting a home. This was highly embarrassing and has negatively impaced my lifestyle.
Optional:
Attached you will find proof that this bad report is in error and needs to be removed from my credit report ASAP.
CREDITOR AGENCY, acct. 123-34567-ABC
Please delete the above information as quickly as possible. Sincerely,
your signature
Your Name
SSN# 123-45-6789