To Whom It May Concern,
This letter is a formal complaint that you have reported inaccurate and incomplete credit information to the credit bureaus.
Federal laws require furnisher’s of information to report accurate credit information to the credit bureaus and in this case, you have failed to do so. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over 30 days ago and you have not yet responded:
{dispute_item_and_explanation}
This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile.
Under federal law, you must complete your re-investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your investigation.
Sincerely yours,
{client_signature}
_________________________________________
{client_first_name} {client_last_name}