After the organization receives the notice from the Consumer Reporting Agency, they must also investigate the claim and provide feedback to the Reporting Agency. After the investigation has been completed, the Consumer Reporting Agency will send you information about the results of the investigation and a free copy of your credit report. The Reporting Agency cannot include the erroneous information on your report, since it is in dispute. The Agency will also send you information about the organization that reported the credit information such as their name, address and phone.

2. You should also send a letter and any supporting documentation to the organization that reported the information indicating which information is in error.

The FTC recommends a sample letter as follows:

Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible. Sincerely, Your name

Enclosures: (List what you are enclosing.)
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