Company Name

Company Address

Date:

Re: Account No.

Dear Sir/Madam,

This is a letter to dispute the account referred above. I have a case in point that this account information is inaccurate with [name of credit bureaus] and my debt has not yet been verified. But [I was neither late/it is not my account/ I am only an authorized user].

You continue to list the disputed item on my credit report. This has caused immense inconvenience to my financial transactions. I will be forced to sue you for defamation damages and declaratory relief under the FCRA.

[Optional] You can give a sample case of the same type and its favored court ruling to the debtor.

While litigation is not my favored process of dealing in such cases, I will use it just the same to claim my rights.

I look forward to a peaceful resolution of this matter.

Sincerely,

Your Signature

Your Name

Your Address

Enclosure: The copy of court case you have mentioned.