|Provide any proof you have with this dispute letter.[Your Name]
[Experian, Equifax or TransUnion address]
To whom it may concern:
In reviewing my credit report, I realized there are several inaccurate listings. These accounts are incorrect and several are outdated. The following accounts need to be investigated immediately to reflect my true credit history:
This account is listed as being 90 days late. I have never been late on this account.
This account is listed as being 60 days late. This account does not belong to me.
This account is listed as being 60 days late. The creditor lost my check and agreed to correct the late notation. (Enclosed is a copy of their letter stating such).
Additionally, you are reporting several other accounts as delinquent that are past the seven-year reporting time as allowed under the Fair Credit Reporting Act. The following accounts should be deleted immediately:
Acct: [-xxx:] over seven years old
Acct: [-xxx:] over eight years old
Acct: [-xxx:] over seven years and four months old
Please forward an updated copy to me at your earliest convenience with the above noted corrections. My current address is listed above.
[Your printed name]