Your Name

Your Address
City, State, Zip Code

Credit Bureau Address

Last 4 SSN:

RE: Account Number

To whom it may concern,

I am contacting you because I have found some information that is in accurate on my credit report. You
are reporting a late payment on (month, year) on the account (Account name + Partial Account
Number).

This is not true, I was not late on (Month, Year), I request that you verify the information and update the
payment history on this account as “PAID, NEVER LATE” immediately.

After doing so please provide me with an updated credit report reflecting the changes.

Best Regards,