[Your Full Name]
[Your Street Address]
[City, State ZIP]
[Date]

[Credit Bureau Name]
[Bureau Address]

Re: Dispute of Inaccurate Information — SSN ending in XXXX

To Whom It May Concern:

I am writing to dispute the following inaccurate information appearing on
my credit report. I have circled / listed the items in question below.

Account name: [Creditor Name]
Account number: [XXXX-XXXX-XXXX-1234]
Reason for dispute: This account is reporting [an incorrect balance / an
incorrect status / a late payment that was made on time / etc.].

Under the Fair Credit Reporting Act (15 U.S.C. § 1681i), you are required
to investigate this disputed information and remove or correct any item
that cannot be verified within 30 days.

I have enclosed copies (NOT originals) of the following supporting
documents:
 - Government-issued photo ID
 - Proof of address (utility bill)
 - [Any supporting statements, receipts, or correspondence]

Please investigate this matter and delete or correct the disputed item as
soon as possible. Send me an updated copy of my credit report once the
investigation is complete.

Sincerely,

[Signature]
[Printed Name]