Sample Credit Report Dispute Letter

The Fair Credit Reporting Act (FCRA) gives you the right to send a dispute letter to fix incorrect items on your credit report. You should send a credit report dispute letter as soon as you realize that there is incorrect information on your credit report.

You should dispute the incorrect information with both the consumer reporting agency (also known as a credit bureau) and with the information furnisher (the creditor or debt collection agency). Visit our resource on disputing an item in your credit report for more information.

When you contact an information furnisher, do so in writing, and send your letter via certified mail with a return receipt requested. Make sure to include copies of any documentation you have to support your claim. Outline the item that you are disputing, and make your case as to why the item is incorrect and should be removed from your credit report or corrected.

Sample Credit Report Dispute Letter

Date

Your Name
Your Address

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Creditor:

I am writing to dispute the following information in my [name of credit bureau] file. The items I dispute also are circled on the attached copy of the report I received.

[List the incorrect item in your credit report.]

This information is [inaccurate or incomplete] because [list your reasons]. I am requesting that the item be [deleted or corrected].

I am enclosing supporting documentation to support my claim. [Enclose relevant payment records or other documentation.] I am fully aware of my rights under the Fair Credit Reporting Act, and know that you have the obligation to investigate this matter and correct the information as soon as possible. If this matter is not resolved, I will not hesitate to exercise my rights under the FCRA.

Signature
Your Printed Name

Enclosures: (List what you are enclosing)

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