This letter contacts a creditor directly to inquire as to the reason for a negative report on your account.
1234, Main Street
Boston, MA 02123
04 April, 2005
<Recipient Address Goes Here>
Re: Account No. <account number>
I recently received a copy of my credit report from <name of credit reporting agency>. That report indicates that my account with you <is/was> <indicate status of account>.
According to my records, however, <description>. I would, therefore, appreciate it if you would notify <name of credit reporting agency> that this account is <current/paid in full> and that all payments <have been/were> made on time.
Thank you for your immediate attention to this request.
encl: <List of enclosed items goes here>