Sample Letter
Demand for Corrected Credit Report

DateAddressRE: Demand for Corrected Credit ReportDear Sir/Madam:On __________, 20__, I wrote to tell you I had not heard about any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. Copies of my correspondence are attached for your review.Since you have not given me names of persons you contacted for reverification of the information not have you complied within a "reasonable time" to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, and drop the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items which I disputed on the attached letters. This copy must be provided free, according to 15 USC Section 1681j. I demand that it be postmarked within five days after signing the certified mail receipt for the letter you are holding.If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC Section 1681n or 1681o of the Fair Credit Reporting Act, "Civil liability for willful noncompliance." Your credit bureau may be liable for:

• Any actual damages I sustain by your failure to delete the items.Punitive damages as the court may allow.
• Costs of court action, plus attorney’s fees.

I have forwarded copies of this letter to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Consumer Protection Agency and Department of Business and Professional Regulations (Division of Consumer Complaints).Sincerely,

name
address, city, state, zip
social security number