[DATE]
[YOUR NAME AND ADDRESS — ADD PRIVATELY]
[VERIFIED RECIPIENT AND DISPUTE ADDRESS]

I am disputing information your company supplied to [CREDIT REPORTING COMPANY], shown in my report dated [REPORT DATE].

Account: [ACCOUNT IDENTIFIER — ADD PRIVATELY]. The disputed detail is [REPORTED DETAIL]. My records instead show [WHAT YOUR RECORDS SHOW]. I believe a correction is needed because [YOUR FACTUAL EXPLANATION].

Please investigate the disputed information, review the enclosed records, and correct any inaccurate or incomplete information you supplied. My requested correction is [REQUESTED CORRECTION]. Please provide the results of your review.

Enclosures: [COPIES OF SUPPORTING RECORDS].

Sincerely,
[YOUR NAME]
