To: Specific Creditor & Credit Reporting Companies
[Address]
Re: Disputed credit reporting entry

Account number on credit report: #__________________



Dear Creditor/Agency:

During a review of my credit report, compiled and issued on [DATE] ________________, you have reported an adverse entry in my credit report.

Specifically, you reported that I have a past due account with [INDICATE ERRONEOUS CREDITOR] ____________________. This is an error.

Instead, please indicate that I am disputing this account. I am disputing this account because [INDICATE REASON FOR YOUR DISPUTE: for example, returned merchandise, bill was supposed to be covered by insurance, insufficient service, etc.] ___________________________________________.

Thank you for your time and prompt assistance. I anticipate your reply within 30 days, as required by law. If you need to contact me regarding this account, please call me at __________________________.



Sincerely,