To Whom It May Concern,

I am in disagreement with the information listed below which you reported to the credit agencies and still appear on my credit report, even after your investigation. I would like these item(s) immediately re-investigated and removed. These inaccuracies are impacting my credit rating.

{dispute_item_and_explanation}

Please confirm you have completed your investigation and corrections by notifying by mail. Your cooperation and prompt attention are appreciated.

Sincerely yours,

{client_signature}
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{client_first_name} {client_last_name}