Your Name [s]
Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested

TRANS UNION, LLC
1561 E. Orangethorpe Ave.
Fullerton, CA 92831-5210

EXPERIAN INFORMATION SOLUTIONS, INC.
475 Anton Blvd.
Costa Mesa, CA 92626-7037

EQUIFAX INFORMATION SERVICES, LLC
1550 Peachtree St NW
Atlanta, GA 30309-2468

INNOVIS DATA SOLUTIONS, INC.
P.O. Box 1534
Columbus, OH 43216-1534

Re: SSN:
Date of Birth:
Company furnishing disputed account information:
Bank’s name, A/C No.
Debt Collector Agency’s Name, A/C No.
REINVESTIGATION REQUEST AND ACCOUNT DISPUTE

To the Management of each of these credit reporting agencies:

The above-reported account is inaccurate, because the credit report shows the date of last activity as _______________ [month/year] when, in fact, this account went into default ________________ [month/year when a regular payments was not sent]. Since it was in default more than 7.5 years ago, it is obsolete and should be removed from the credit report.

Enclosed is copy of documents showing that the item is obsolete________________ [describe the records enclosed, such as a page from the inaccurate credit report, your letters to/from the creditor or debt collector, proof of the first untimely payments, notices stating that the creditor has terminated account privileges or charged off the account].

Please reinvestigate this account by contacting me [or us, and/or the company listed on the enclosed documentation] and also forwarding this letter and all relevant enclosures to the company reporting it, or let me know that you have not forwarded the documents, so I may do it. Please do not merely contact the company electronically, without providing them a copy of this letter and all relevant enclosures.

Please note that I [we] need this account corrected to apply for ________________ [give examples of how the false information may harm you in the future, such as you need to apply for a loan towards a motor vehicle, refinance your residence, acquire a new home, apply to rent a home, apply for a credit card to reestablish your credit, apply for a job or insurance.]

[If applicable: Also, please delete from my credit file the prior address of ______________, as I no longer want any mail going there. Further, I have never used the Social Security Number of ______________, so it should be removed from my credit file to avoid confusion with another consumer.]

If the company furnishing this account information informs you that it is reported accurately, despite the enclosed written documentation, and you decide to continue reporting the disputed information, please send me [us] any documents that prove it is accurately reported and describe the procedure you used to determine how it was accurate (including name, address, and telephone of the furnishers contacted).

Please also provide me with a corrected credit report containing all items in your file about me [us], once you have completed your reinvestigation of the disputed account.

Sincerely,

YOUR NAME

On this____day of ___________ [month and year], before me, personally appeared YOUR NAME, proved to me on the basis of satisfactory evidence to be the one whose name is subscribed above, and acknowledged that he executed it. WITNESS my hand and official seal.

NOTARY PUBLIC_________________________________