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Date

Customer Service
Credit Bureau Name
Credit Bureau Address

Customer Service:

I have written to you twice before regarding incorrect information which is appearing on my credit report. You claim you have verified the accuracy of this item. I don't know how you could have done this, since this item is blatantly wrong. It is obvious you are only repeating the information.

Either correct the item immediately, or I will take whatever actions are necessary to protect myself and my financial well-being. This action may include holding you responsible for my financial losses.

The following account(s) on my credit report is (are) in error. These inaccuracies are hurting my chances to obtain (a home loan, car loan, credit card, etc.). If they are not corrected soon, I will be subject to severe financial difficulties.

This account is incorrect:
Acme Auto Finance, Account Number: 74024130374

The Acme Auto Finance account is being incorrectly reported. Your report states that I was late 30 days once and 60 days once. I have never been late. I always pay this account on time. Acme Auto Finance mistakenly credited my payments to another account. This wrong information needs to be deleted from my report.

I have made the effort to understand the Federal Fair Credit Reporting Act. You are liable for this error. If you do not correct this wrong information, I will be taking stronger action.

Sincerely,

(Sign your signature.)
John/Mary Doe
 

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