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This is a sample letter.

Use the format and tailor it to fit


your situation.

April 12, 2002

Bankcard
Address
City, State Zip

Re: Errors in the credit report of XX, SS# xxx-xx-xxxx, Account # xxxx-xxxx-xxxx-xxxx

To Whom It May Concern:

Please consider this letter a formal complaint regarding select information contained in
my credit report. I am advising you that the information you are reporting is inaccurate,
incomplete, and totally without merit.

Please provide the following documentation to me at the address listed below

1. A copy of any legal instrument, bearing my signature, which supports your basis for
the continued reporting of this alleged debt.

2. An itemized accounting of all debits and credits on the alleged account for the entire
history of the account.

3. The assignment or purchase agreement for the alleged debt between your company and
any other entity.

4. An itemized accounting of the alleged debt after it was supposedly written off
including all debits and credits.

5. Complete documentation of the amount that was written off for federal tax purposes.

Just to restate my request in more general terms: I am not requesting a "verification" of


my mailing address. The fact you have my name and mailing address has been well
established through numerous disputes already. I am requesting a "verification" of this
alleged debt; that is, competent legal evidentiary matter that I have some contractual
obligation to pay you the reported amount. <<<Here is where you would change it to suit
your situation

Under federal law, and as enforced by the Federal Trade Commission, you have 30 days
to complete your investigation and supply the documentation as requested. Failure to do
so will constitute an unfair or deceptive act or practice in commerce in violation of
section 5(a) of the Federal Trade Commission Act 15 U.S.C. 45(a).

Thank you in advance for your attention to this matter. I look forward to hearing from
you.

Sincerely,

Name
Address