John Smith
123 Main St.
Anytown, XX 98765
(123) 456-7890
SSN: XXX-XX-XXXX

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374

January 1, 2008

To Whom It May Concern:
I am writing to dispute the following information in my file. The items I dispute also are encircled 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 deleted (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 investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible. Thank you for your assistance in this matter.
Sincerely,

[signature goes here]
John Smith

Enclosures: (List what you are enclosing)