To: Specific Creditor & Credit Reporting Companies
[Address]
Re: Erroneous 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 for my account.

Specifically, you reported I am currently behind on this account. This is an error. Please reexamine your credit records immediately and update your reporting of my credit account.

[IF YOU HAVE SUPPORTING DOCUMENT, INCLUDE COPIES:] I am enclosing a copy of a canceled check I had used for my payment (or, money order, receipt, legal release, judgment, etc.) as proof that I am current on this account.]



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,