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4 . Keep a copy of your letter and the documents you include with the letter . Make copies of everything you submit for your- self and send your letter by certified mail with a return receipt requested so you have proof of what was sent and when it was sent. A sample of a dispute letter is shown here.
Complaint Dept. TransUnion
PO Box 390
Springfield, PA 19064-0390
Dear Sir or Madam,
I am writing to dispute the incorrect payment history in my file. The payment history I dispute is circled on the attached copy of my credit report which I received from you.
This payment history is inaccurate because I do not, in fact, have any late payments on this account. I am requesting that the late payments shown be changed to on-time payments to correct the information.
Enclosed are copies of my returned checks and bank statements to show that these payments were processed by the due dates.
Sincerely,
Tom Langford
1271 Park Ave., Greenfields, IL 11111 5/22/1949, 500-20-3000
May 7, 2007
Tom Langford
1271 Park Ave. Greenfields, IL 11111
38
Disputing Items on Your Credit Report
Sample Dispute Letter
