When disputing inaccurate or incomplete information on your credit reports, you can use specific responses to address various issues. Here are some sample responses to include on your credit disputes:

1. “This is Not My Account”:
   • Use this response if you find an account on your credit report that you do not recognize or believe does not belong to you. Request that the account be investigated and removed if it is indeed not yours.
2. “Unverifiable”:
   • If you suspect that the reported information cannot be verified by the creditor or credit reporting agency, state that the information is unverifiable. This may prompt them to conduct a thorough investigation.
3. “I Was Never Late on This Account”:
   • If you believe that a reported late payment is inaccurate, provide evidence that you made payments on time. Attach relevant documents, such as payment receipts or bank statements, to support your claim.
4. “This Account Was Included in Bankruptcy”:
   • If the account was part of a bankruptcy filing and should no longer be reported as delinquent or outstanding, make it clear that the debt was discharged through bankruptcy.
5. “This Account Is Identity Theft”:
   • If you suspect that the account is a result of identity theft, state this clearly in your dispute. Request that the account be investigated, and provide any supporting documentation, such as an identity theft report or police report.
6. “This Account Is a HIPAA Violation”:
   • If you believe that a medical account or debt violates the Health Insurance Portability and Accountability Act (HIPAA) regulations, explain the violation and request its removal from your credit report.

Remember to be concise and specific in your dispute letters. Include any supporting documentation that can help validate your claims. It’s essential to follow up on your disputes and monitor your credit reports regularly to ensure that inaccuracies are corrected promptly. Accurate credit reports are crucial for your financial well-being and creditworthiness.