Dispute Template Letter – Authorized User

Use this letter to ask the Credit Bureau to remove an authorized user account from your report.   Remember:  Only send this letter to the bureau(s) that are reporting the derogatory information.  If you send this letter to one of the three bureaus that is NOT reporting the information, you take the risk of having the derogatory information added to that bureau report.  Send proof of current address, proof of social security number, and send all correspondence via certified mail.

[[Date]]

[[Credit Bureau Name]]
[[Address]]
[[City, State, Zip]]

Dear [[Credit Bureau Name]]:

I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately.  At one time I was an “Authorized User”, however, I requested to be removed as an authorized user a very long time ago.

Creditor:  [[Creditor Name]]
Account Number:  [[Account #]]

Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile.  I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible.

I look forward to receiving a copy of my corrected credit report.

Thank you for your help.

Sincerely,

[[Your Name]]
[[Your Address]]
[[Your SS#]]
[[Your DOB]]