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Complain to Creditor Re: Errors on Credit Report

Write this type of letter to complain to a creditor about errors that you saw on your credit report. Include any pertinent details in your letter, such as the exact errors that you found on your credit report and how you want the issue to be resolved.

[Your letterhead, if desired; if not, your return address]

[Date of letter-month, day, and year]

[Recipient's first and last names]
[Company name]
[Street or P.O. box address]
[City, State ZIP code]

Dear [recipient's name]:

I have had a credit card with your company for almost 5 years, and my account number is 8392 3879 3838 3838. I recently obtained a copy of my current credit report. As I was reviewing it, I discovered an error by your company. Specifically, the credit report states that I have made late payments to your company. This is incorrect, as I have always made my payments to you on time.

I am requesting that you change the information that is reported to the credit bureau, such that this error is removed right away. Please contact me as soon as possible so that this matter can be resolved. Thank you for your prompt attention to this important matter.

Sincerely,

 

[Signature]

[Sender's first and last names]