[date]
[organization name]
[organization address]
Re: [social security number]
Dear [contact name, if known]:
This letter is in regard to my credit record maintained by your agency. According to my credit report, the following adverse credit information is in error:
The information is inaccurate as follows:
Therefore, in accordance with applicable federal and state law, I hereby request that this letter be made a permanent part of my credit record. Further, I request your organization investigate this matter with the listed creditor, and unless substantiated, delete the erroneous information from my credit record.
Sincerely,
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