Section 609 Information Request
Request disclosure of information in your credit file and the sources behind selected accounts.
Fair Credit Reporting Act (FCRA), Section 609
When to use it
Use to request information in your credit file. This is not a magic deletion loophole; use it to gather facts before a specific dispute.
How to use it
- Attach proof of identity.
- List the accounts or file information requested.
- Review the response for missing or contradictory information.
- Use real errors as the basis for a later dispute.
Template
[Your Full Name]
[Your Mailing Address]
[City, State ZIP]
[Date]
[Credit Bureau Name]
[Credit Bureau Address]
Re: Request for file disclosure under FCRA Section 609
To Whom It May Concern:
I am requesting disclosure of information in my consumer credit file under Section 609 of the Fair Credit Reporting Act.
Please provide the information and source details you maintain regarding:
1. Furnisher / Creditor: [Name]
Account number: [XXXX]
Please include any available source information, furnisher details, and documentation maintained in my file. I have enclosed proof of identity with this request.
Sincerely,
[Your Signature]
[Your Printed Name]
Enclosures: Proof of identity
Where to mail it
Send to whichever bureau is reporting the error — you may need to send this to more than one if the item appears on multiple reports. Addresses below are each bureau's current dispute-mail address; always confirm on annualcreditreport.com before mailing, since these occasionally change.
Equifax
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Experian
Experian
P.O. Box 4500
Allen, TX 75013
Experian
P.O. Box 4500
Allen, TX 75013
TransUnion
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016
iRunCredit provides free educational information and document templates. We are not a law firm, credit repair organization, lender, credit bureau, or financial advisor, and nothing here is legal, financial, or credit repair advice. You can dispute credit-report errors and contact creditors yourself for free under federal law. Always verify facts, keep copies, and consider a qualified professional for your specific situation.