SAMPLE DISPUTE LETTER TO ALL THREE CREDIT REPORTING AGENCIES
123 Main Street
Houston, Texas 77002
PO Box 2000
Chester, PA 19022
601 Experian Parkway
Allen, TX 75013
c/o CSC Credit Services
652 N. Sam Houston Parkway East, Ste. 400
Houston, TX 77060
RE: Aggrieved Consumer Credit Dispute; SS# 123-45-6789 / TDL# 12345678
Residence 123 Main Street, Houston, Texas 77002.
RE: (sample) Everybody Rides Auto Finance Company, account no. ________________, i/n/o Aggrieved Consumer.
I recently obtained a copy of my credit report. Some of the information on the credit report is wrong. The specific account tradeline that is wrong is listed above. The information about this tradeline is wrong because: (choose one or more):
a. this is not my account and I know nothing about this tradeline;
b. this is not my account. I suffered an identity theft and filed fraud alerts with (list Experian, TransUnion, Equifax, local police department) on (list date);
c. this is my account but the information is wrong because the debt was discharged in bankruptcy several years ago. I have attached a copy of my bankruptcy discharge for your review. The date of last activity should be the date of the bankruptcy discharge;
d. this account is too old. This account is more than 7 ½ years old and should be deleted from my account;
Enclosed is a copy of the relevant entry from my credit report so that you can accurately delete my name from any credit reporting on this account and a copy of the letter that I sent to creditor with all attachments.
This entry on my credit report is disputed. Please conduct an investigation into this tradeline. If you have any questions, please call.