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Company Name
Company Address
Date:
Re: Account No.
Dear Sir/Madam,
This is a letter to dispute the account referred above. I have a case in point that this account information is inaccurate with [name of credit bureaus] and my debt has not yet been verified. But [I was neither late/it is not my account/ I am only an authorized user].
You continue to list the disputed item on my credit report. This has caused immense inconvenience to my financial transactions. I will be forced to sue you for defamation damages and declaratory relief under the FCRA.
[Optional] You can give a sample case of the same type and its favored court ruling to the debtor.
While litigation is not my favored process of dealing in such cases, I will use it just the same to claim my rights.
I look forward to a peaceful resolution of this matter.
Sincerely,
Your Signature
Your Name
Your Address
Enclosure: The copy of court case you have mentioned.
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