To Whom It May Concern,
On (DATE), I received my credit report from you. It included the following incorrect information:
{dispute_item_and_explanation}
I am enclosing a copy of my credit report with the incorrect data highlighted. I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter.
This incorrect and negative information is damaging my credit. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours,
(ENCLOSE A COPY OF CREDIT REPORT WITH THE INCORRECT ITEMS IN QUESTION HIGHLITED. ALSO INCLUDE ALL OTHER DOCUMENTATION VERIFYING THE ABOVE FACTS)