(Your Address Line 1)
(Your Address Line 2)
(Name of Collection Reporting Agency)
(Address Line 1 of Collection Reporting Agency) (Address Line 2 of Collection Reporting Agency)
To whom it may concern: Subject: (Your Account Number)
My credit report furnished by your office for the period (date) showed an item that I have disputed since I never made or authorize said transaction against my account. I have requested (name of creditor) for credit verification on (date) and to this date, there was no reply. It has been over 30 days since I sent the credit verification request.
To put the records on my credit report in their proper perspective, I am requesting your office for credit validation on:
(Name of Creditor)
Please note that I have enclosed my credit report to which the disputed item was reflected for your easy reference. The disputed item has been highlighted.
I will be waiting for your reply on this request. For further details, please feel free to call me at 555-555-
(Your Signature) (Your Name in Print)