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Direct Dispute to the Furnisher

Dispute the error with the company that reported it — not only the bureau. FCRA section 623 path.

Fair Credit Reporting Act (FCRA), Section 623

Download branded PDF

When to use it

Use when a creditor, collector, or other furnisher is sending the wrong facts to the bureaus. Send this in addition to the bureau dispute.

How to use it

  1. Name the exact account and the exact fact that is wrong.
  2. Send it to the furnisher’s dispute address, not a payment lockbox.
  3. Attach copies of proof.
  4. Ask them to correct every bureau they furnished.
  5. Keep certified-mail proof and calendar 30 days.

Template

[Your Full Name] [Your Mailing Address] [City, State ZIP] [Date] [Furnisher / Creditor Name] [Furnisher Address] Re: Direct dispute of information furnished to consumer reporting agencies To Whom It May Concern: I am writing to dispute information your company has furnished to Equifax, Experian, and/or TransUnion. Please investigate the item below and correct or delete any information that is inaccurate or incomplete. Consumer: [Your Full Name] Account: [XXXX] Item being disputed: [balance / status / late mark / account not mine] Factual reason: [specific fact] Please send written results of your investigation and furnish the corrected information to every consumer reporting agency to which you reported this account. Sincerely, [Your Signature] [Your Printed Name]
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.