DISPUTE LETTER

[YOUR NAME] [YOUR ADDRESS] [YOUR CITY, STATE ZIP] [YOUR PHONE] [YOUR EMAIL] [DATE] [EXPERIAN / EQUIFAX / TRANSUNION] [BUREAU ADDRESS] RE: Dispute of Medical Collection Account Account: [COLLECTION ACCOUNT NUMBER] Original Creditor: [HEALTHCARE PROVIDER NAME] Amount: [AMOUNT] To Whom It May Concern, I am writing to dispute the above-referenced medical collection account appearing on my credit report. Pursuant to 15 U.S.C. Section 1681i (Section 611 of the Fair Credit Reporting Act), I am exercising my right to dispute this item. I dispute this account because: [CHOOSE ONE OR MORE:] - The information is inaccurate — the amount is incorrect. - The information is incomplete — billing not processed through insurance. - The information is unverifiable — I have no record of this debt. - The account has been paid and should be removed per the 45-day paid medical collection removal rule. I am requesting that you investigate this dispute within 30 days as required by FCRA Section 1681i(a)(1). If you cannot verify this account with complete and accurate documentation, I request that you permanently remove it from my credit file. Please send me an updated copy of my credit report once the investigation is complete, as required by FCRA Section 1681j. Sincerely, [YOUR NAME] Enclosures: - Copy of credit report with disputed item highlighted - Proof of payment (if applicable)