Letter contributed by sparq: ******************************** <Your name> <Your address> <Your city, state, and ZIP> <CRA's name> <CRA's address> <CRA's city, state, and ZIP> <Today's date> RE: <Account information, EXACTLY as provided by the CRA> Dear <CRA's name> I have discovered the above inaccuracy on my credit report. Please remove and/or investigate it immediately. Sincerely <Your name> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - sparq: This tells the credit reporting agency (CRA) that you have found a mistake on your credit report. I personally prefer not to elaborate on what exactly is wrong with the report, as the law does not require you to do so.
