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Apply[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
Date: [Date]
To: [Credit Reporting Agency Name]
[Agency Address]
[City, State, ZIP Code]
Subject: Credit Report Dispute
Dear [Credit Reporting Agency Name or Dispute Department],
I am writing to dispute certain information in my credit report that I believe is inaccurate, incomplete, or unverifiable.
Please investigate the disputed item(s) identified below and correct or remove any information that cannot be verified.
Please use the following information to identify my credit file:
Full Legal Name: [Full Name]
Date of Birth: [Date of Birth]
Social Security Number: [Full SSN or Last Four Digits, if appropriate]
Current Address: [Current Address]
Previous Address(es), if relevant: [Previous Address(es)]
Full Legal Name: [Full Name]
Date of Birth: [Date of Birth]
Social Security Number: [Full SSN or Last Four Digits, if appropriate]
Current Address: [Current Address]
Previous Address(es), if relevant: [Previous Address(es)]
The credit report I am disputing is from:
Credit Reporting Agency: [Equifax / Experian / TransUnion / Other]
Date of Report: [Date]
Report Confirmation or File Number, if available: [Number]
Credit Reporting Agency: [Equifax / Experian / TransUnion / Other]
Date of Report: [Date]
Report Confirmation or File Number, if available: [Number]
I dispute the following item(s) on my credit report:
Item 1:
Creditor / Furnisher Name: [Name]
Account Number or Reference Number: [Number]
Information Reported: [Describe what appears on the report]
Reason for Dispute: [Explain why the information is inaccurate, incomplete, duplicated, or unverifiable]
Requested Correction: [Delete item / correct balance / correct payment status / update dates / other]
Creditor / Furnisher Name: [Name]
Account Number or Reference Number: [Number]
Information Reported: [Describe what appears on the report]
Reason for Dispute: [Explain why the information is inaccurate, incomplete, duplicated, or unverifiable]
Requested Correction: [Delete item / correct balance / correct payment status / update dates / other]
Item 2:
Item 3:
I am enclosing copies of documents that support my dispute, including the following:
☐ copy of my credit report with disputed items marked
☐ account statements
☐ payment records
☐ identity theft report, if applicable
☐ correspondence with creditor or furnisher
☐ court records or settlement documents
☐ other: [Describe]
☐ copy of my credit report with disputed items marked
☐ account statements
☐ payment records
☐ identity theft report, if applicable
☐ correspondence with creditor or furnisher
☐ court records or settlement documents
☐ other: [Describe]
These documents are provided to support my request that the disputed information be investigated and corrected.
I request that you investigate the disputed information described above and delete or correct any item that is inaccurate, incomplete, or cannot be verified.
If your investigation results in a change to my credit file, please send me an updated copy of my credit report or written confirmation of the correction.
If you need additional information to process this dispute, please contact me at:
Phone: [Phone Number]
Email: [Email Address]
Mailing Address: [Mailing Address]
Thank you for your attention to this matter.
Sincerely,
Signature: __________________________
Name: [Your Full Name]
Date: [Date]
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For quick answers, scroll below to see the FAQ.
Frequently asked
A credit report dispute letter is a written request sent to a credit reporting company to challenge information in your credit report that you believe is inaccurate, incomplete, or unverifiable. The CFPB says you should explain what you think is wrong, why it is wrong, and include copies of documents that support your dispute.
You need a credit report dispute letter to create a clear written record of the error you are challenging and the correction you want made. The FTC says your letter should clearly identify each disputed item, explain the facts, state why you dispute it, and request that it be removed or corrected. It also recommends enclosing a copy of your report with the disputed items marked and sending the letter by certified mail with return receipt requested.
Use a credit report dispute letter whenever you find information on your credit report that appears inaccurate, incomplete, duplicated, or unverifiable. CFPB guidance says you should start by disputing the information with the credit reporting company that issued the report, and it is also important to dispute the inaccurate information with the company that originally supplied it.
Start by identifying yourself and the credit report involved, then list each disputed item separately. Describe what is wrong, explain why it is wrong, state the correction you want, and attach copies of supporting documents. The FTC and CFPB both indicate that supporting copies, a marked copy of the report, and a clear request to correct or delete the information are useful parts of the dispute.
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