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Credit Report Dispute Letter

Dispute inaccurate, outdated, incomplete, or unverifiable information directly with a credit bureau.

Fair Credit Reporting Act (FCRA), Section 611

Download branded PDF

When to use it

Use when Equifax, Experian, or TransUnion is reporting an account, balance, date, status, inquiry, address, or personal detail that is wrong or unverifiable.

How to use it

  1. Pull all three reports from AnnualCreditReport.com.
  2. Circle each exact item and write the factual reason it is wrong.
  3. Attach copies of supporting proof, never originals.
  4. Mail certified with return receipt and keep a copy.
  5. Calendar the response deadline and review the updated report.

Template

[Your Full Name] [Your Mailing Address] [City, State ZIP] [Date] [Credit Bureau Name] [Credit Bureau Mailing Address] Re: Credit report dispute for [Your Full Name], SSN ending [XXXX] To Whom It May Concern: I am writing to dispute inaccurate or unverifiable information appearing in my credit file. Please investigate the item(s) listed below under the Fair Credit Reporting Act and correct or delete any information that cannot be verified as complete and accurate. Disputed item(s): 1. Furnisher / Creditor: [Name] Account number: [XXXX] Reason for dispute: [Explain the specific factual error] Requested correction: [Delete / update balance / update status / correct date] I have enclosed copies of supporting documents. Please send me written results of the investigation and an updated copy of my credit report after the investigation is complete. Sincerely, [Your Signature] [Your Printed Name] Enclosures: [List documents]
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.