Credit report dispute letter template (FCRA): copy, fill in the brackets, send by certified mail
Copy the text, replace everything in [brackets], and send it. Go back to the template guide for how to fill it in and where to send it.
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[Your full name]
[Current address]
[City, State ZIP]
[Date of birth: MM/DD/YYYY]
[Last 4 of SSN: XXXX]
[Phone] | [Email]
[Date]
VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374]
[Experian, P.O. Box 4500, Allen, TX 75013]
[TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016]
Re: Dispute of inaccurate information – credit report [confirmation/report number, if any]
To whom it may concern:
I am writing under Section 611 of the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute the following information on my credit report, which is inaccurate, incomplete, or unverifiable. I request that you conduct a reasonable reinvestigation and correct or delete each item within 30 days.
ITEM 1
Creditor / collector: [name as shown on the report]
Account number: [as shown, partially masked is fine]
What is wrong: [Choose and complete: This account is not mine / The balance is reported as $[X] but the correct balance is $[Y] / The payment for [month/year] was made on time (proof enclosed) / This account was paid in full on [date] but shows a balance / This item is a duplicate of [other account] / This medical collection is under $500 / is paid / is less than 365 days old and must not be reported under the nationwide credit bureaus' medical debt reporting policy / Reporting this medical debt is prohibited in [State] under [statute] / The date of first delinquency was [month/year], more than seven years ago, and this item is obsolete under 15 U.S.C. § 1681c / The "date opened" has been re-aged; the original delinquency was [month/year]].
Requested action: [Delete the item / Correct it to show: …]
Enclosed proof: [statement, payment confirmation, itemized bill, letter from creditor, FTC identity theft report].
ITEM 2
[repeat]
Please also:
1. Forward this dispute to the furnisher(s) of the information, as required by § 1681i(a)(2).
2. Send me the written results of your reinvestigation and a free updated copy of my report when it is complete.
3. If any item is verified as accurate, provide the method of verification and the name, address, and telephone number of each furnisher contacted, as permitted by § 1681i(a)(6)(B)(iii).
4. If any item is deleted or corrected, notify any person who received my report in the last six months (two years for employment purposes) at my request, per § 1681i(d).
I have enclosed a copy of my government-issued ID and a recent utility bill to confirm my identity and address. This is a dispute submitted by me personally; it is not from a credit repair organization.
Sincerely,
[Signature]
[Printed name]
Enclosures: copy of ID; proof of address; [list each document].