To Whom It May Concern:

I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus.

Here are the error(s):

{dispute_item_and_explanation}

Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. Please send me confirmation the information has been removed from my credit files.

Thank you for your time and help in this matter.

Sincerely,

{client_signature}
__________________________________
{client_first_name} {client_last_name}