Experian XXXX XXXX XXXX, TX XXXX I recently pulled a copy of my credit report on-line and found that you are reporting the following delinquent account ( s ) that are past the 7 year reporting time as allowed under the Fair Credit Reporting Act. The following account ( s ) should be deleted immediately : Creditor : XXXX Account Number : XXXX Date of Last Delinquency : XXXX XXXX Delinquency by XXXX XXXX XXXX Judgment was paid on XXXX with XXXX XXXX Reporting time expire in XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, 
