[Today’s Date] 

[Your Name] 

[Your Address] 

[City, State Zip Code] 

[Your Phone # (914) 999-6666] 

Experian 

PO Box 4500 

Allen, TX 75013 

Dear Sir/Madam: 

I formally request that the following inaccurate items be immediately removed from my credit report.  If an investigation on your part is required to satisfy my request, please initiate the action as quickly as possible.  Under the provisions of 15USC, Section 1681i of the Fair Credit Reporting Act, I demand that these items be re-verified and deleted from my credit report.  The enclosed documentation proves that the judgement entry should not have been made on my credit report.  The specific error in question is as follows: 

State the details of the issue here and include account numbers, dates, and amounts, such as: 

[Insert inaccurate details here]

The law specifies that 30 days from the receipt of this letter is the bureau’s allocated time under the law to re-verify this entry.  Consequently, your office should know that failure to do so within the 30-day period constitutes reason to promptly delete the information from my file (FCRA 15 USC Section 1681i (5)(A)). 
 

Also, pursuant to 15 USC sic1681i (6) (A) of the Fair Credit Reporting Act, please notify me when the item has been deleted.  You should send an updated copy of my credit report to the address indicated in the heading of this letter.  According to the provisions of 15 USC Section 1681j, there should be no charge for this notification.  Also, please include a list of names and addresses of individuals you contacted so I may follow up on this action as necessary. 

Sincerely, 

Your Name (signed)

Enclosures: Copies of applicable documents