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(sample letter to Equifax to remove derogatory information)

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John Hancock
123 Maple Street
Oakland, CA 90909

March 4, 2003

Equifax Information Services, LLC
PO Box 740256
Atlanta, GA 30374

Re: ABC collection account

SSN: 123-45-6789
DOB: 3/1/1965

Dear Sir or Madam,

The ABC collection account on my credit report is not accurate and does not belong to me. Please remove the ABC collection account from my credit report immediately.

Because of the ABC collection account on my credit report I have been denied credit and I am not able to apply for credit.

Please request written proof of the alleged collection account from the person reporting the collection account in the form of contracts, receipts or any other documentation that will prove the alleged collection account belongs to me.

If you feel the collection account is accurate, please send me a written description of the procedures you used to determine the accuracy and completeness of the collection account as well written proof.

Please act quickly on this matter in accordance with the Fair Credit Reporting Act as my creditworthiness has been severely affected.

Sincerely,

John Hancock