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Free US credit report error dispute letter template

Send this letter to a credit reporting company with the exact entry disputed and copies of records supporting the correction or deletion requested.

Who this letter is for

Ask a US credit bureau to investigate an account, balance, payment or identity error. It is written in the formal register companies, landlords and card issuers expect, and it records the facts, the remedy sought and the deadline in a way that supports any later escalation to an ombudsman or the courts.

How to use this template

  1. 1Download the relevant credit report.
  2. 2Identify the exact disputed entry.
  3. 3Gather supporting copies.
  4. 4State the correction requested.
  5. 5Keep proof of delivery and the result.

What to include before you send it

  • Circle or identify the exact entry on a copy of the credit report.
  • Send copies rather than original identity and account documents.
  • Dispute directly with the information furnisher as well as the credit bureau where appropriate.

The rights you are relying on

The US Fair Credit Reporting Act gives consumers a process for disputing inaccurate or incomplete credit-report information.

The letter template

[Your name]
[Your address]
[Email address] · [Phone number]
[Date]

Dispute Department
[Credit bureau]

Re: Dispute of inaccurate credit report information

Dear Sir or Madam,

I dispute the following item in my credit file:
Creditor or furnisher: [NAME]
Account ending: [LAST FOUR]
Report reference: [REFERENCE]
Information shown: [ENTRY]
Correct information: [CORRECTION]

The entry is inaccurate or incomplete because [PLAIN EXPLANATION]. I enclose [STATEMENTS / PAYMENT CONFIRMATION / IDENTITY-THEFT REPORT / CREDITOR LETTER] supporting my position.

Please investigate the disputed information, forward the supporting records to the furnisher, and [correct / delete] the entry. Please send me the investigation result and a free updated copy of my report.

Sincerely,

[Your name]

Enclosures: marked credit report page and supporting copies.

Turn this example into your own formal letter

The £0.59 option creates one formal letter using your names, dates, sums and evidence. The £3.99 Case File also includes an email, evidence checklist, action plan and follow-up notice.

Uses the facts you provide Includes a clear response date
Personalise this letter — £0.59

Or read more about our personalised credit report dispute.

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