[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Name of Credit Bureau] [Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information Dear Sir/Madam, I am writing this letter to formally request the removal of the following derogatory credit information from my credit report, which is being erroneously reported by your agency. I believe this negative information is inaccurate and should be removed in accordance with the Fair Credit Reporting Act (FCRA) and other relevant laws and regulations. 1. Account Details: Credit Bureau: [Name of Credit Bureau] Credit Report Number: [Report Number] Account Number: [Account Number] Creditor's Name: [Creditor's Name] Date Reported: [Date Reported] Type of Account: [Type of Account] Balance: [Outstanding Balance] 2. Explanation of Inaccuracy: I dispute the accuracy of the above-listed derogatory credit information for the following reasons: a) [Provide a detailed explanation of why you believe the information is incorrect. Include specific details such as dates, amounts, and any supporting documentation you have.] 3. Relevant Documentation: Enclosed with this letter are copies of supporting documentation that validate my claim of the inaccurate derogatory credit information. The documents include [list all the attached documents, such as receipts, statements, agreements, etc.] and prove that [explain how these documents support your claim]. 4. Requested Action: Based on my rights under the FCRA, I kindly request that you promptly investigate this matter, including contacting the creditor to verify and correct any inaccuracies. Please ensure that the investigation is completed within the timeframe specified by law (usually 30 days) to avoid any violation of my rights. If the results of the investigation confirm that the reported information is indeed inaccurate, I request you to remove it from my credit report. 5. Confirmation of the Removal: Once the investigation is complete and the derogatory credit information is verified as inaccurate, I request that you provide me with a written confirmation of the removal and send an updated copy of my credit report reflecting the corrected information. Please note that under the FCRA, I have the right to dispute any inaccurate information in my credit report, and I expect your agency to fulfill its legal obligations promptly and responsibly. Thank you for your attention to this matter. Should you require any additional information, you can reach me at the contact details provided above. I trust that your agency will assist in resolving this matter efficiently and ensure the accuracy of my credit report. Sincerely, [Your Name]