Sample Letter to Have Items Removed From Your Credit Report

Re: Complaint Letter to Delete ErroR
 
Dear Sir/Madam:

I received a copy of my credit report and find the following items to be in error. See the attached copy of the credit report with these item numbers written next to the problem entires.

Item#1
Item #2

By the provisions of Section 611 of the Fair Credit Reporting Act of 1970, I demand that these items be reinvestigated and deleted from my record. Send me names and addresses of individuals you contacted so I may follow up.

I shall assume that 30 days constitutes “reasonable time” for re-verification of these entries unless you notify me otherwise immediately. It should be understood that failure to re-verify these items within 30 day constitutes reason to promptly drop the information from my file according to Section 611(a).

Also, pursuant to Section 611(d) of the Fair Credit Reporting Act, please send me notification that the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of Section 612, there should be no charge for this notification.

Sincerely,

Signature
Name (printed)
Address
City, State, Zip
Social Security Number


Credit Reporting Agencies: