Credit Bureau Name
Credit Bureau Address
Credit Bureau City, State, and Zip Code
Your City, State, and Zip Code
Your Date of Birth
Your Social Security Number
Dear CREDIT BUREAU NAME,
Re: Account Name and Number
Your company is currently reporting a negative listing to the three major credit bureaus (Experian, Trans Union, and Equifax) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such history. If you’ll review your records I think you fill find your reported notations are inaccurate.
The erroneous status of your credit reporting agency record is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account.
The information and documentation is critical and time is the essence. Within less than thirty (30) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty (30) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.
If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto.
I appreciate your prompt response and cooperation.
Thank you for your time,
YOUR FIRST AND LAST NAME
YOUR SOCIAL SECURITY NUMBER