SAMPLE LETTER TO CREDITOR - DISPUTING EX-SPOUSE’S ACCOUNT

Your name
Your address

Date

Name of Creditor
Creditor Address
Credit Report Confirmation Number

Re:  Account Number

Dear Mr./Ms. Creditor:

After reviewing my current credit bureau reports, it has come to my attention that your company has mistakenly recorded the payment history/liability for the account referenced above.

This account belongs to my ex-spouse (name), and is solely his/her responsibility.  We have been divorced since (date) and I am not responsible for this account.

The Fair Credit Reporting Act states that you have 30 days from the date of receipt of this letter to remove all information from all credit bureaus you have reported this inaccurate information to, or send me written proof that I have signed documentation taking responsibility for this account.

I anticipate your prompt response.

Sincerely,

Your Name