[YOUR FULL LEGAL NAME]
[YOUR STREET ADDRESS]
[CITY, STATE ZIP]

[DATE]

[CREDIT BUREAU NAME]
[CREDIT BUREAU DISPUTE ADDRESS]

Sent by certified mail, return receipt requested

RE: Dispute of inaccurate information in my credit file

To whom it may concern:

I am writing to dispute information in my credit file that is inaccurate. I am
the consumer identified above, and this dispute concerns my own file.

DISPUTED ITEM
Company shown on the report: [COMPANY NAME AS IT APPEARS]
Account number as shown: [PARTIAL ACCOUNT NUMBER AS PRINTED ON THE REPORT]

WHAT THE REPORT CURRENTLY SAYS
[Quote it exactly. Example: "Reported as 120 days past due, balance $4,318,
status: charge-off, date of last activity 03/2025."]

WHY THAT IS INACCURATE
[State what is actually true, with dates. Facts only. Do not argue, do not
speculate, and do not include anything you are not certain of.]

CORRECTION REQUESTED
[Be specific. "Delete this account." "Correct the balance to $0." "Remove the
late payment reported for March 2025."]

I am enclosing documentation supporting this dispute. Please conduct a
reinvestigation of this item, and provide me with written results of the
reinvestigation, including a description of the procedure used to determine the
accuracy and completeness of the information and the name, address, and
telephone number of any furnisher of information contacted in connection with
it.

If the disputed information is found to be inaccurate or incomplete, or cannot
be verified, please delete or modify it and notify me in writing.

MY IDENTIFYING INFORMATION
Full legal name: [YOUR FULL LEGAL NAME]
Date of birth: [MONTH DAY, YEAR]
Last four of Social Security number: [LAST FOUR DIGITS ONLY]
Current address: [YOUR ADDRESS]
Previous address (if you moved in the last two years): [PREVIOUS ADDRESS]

ENCLOSURES
1. [Copy of government-issued photo ID]
2. [Copy of a utility bill or bank statement showing your current address]
3. [Copy of the credit report with the disputed item circled]
4. [Each document that proves what you are asserting]

Sincerely,


_______________________________
[YOUR FULL LEGAL NAME]


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NOTES — DELETE THIS SECTION BEFORE SENDING

* Send a separate letter to each credit bureau that is reporting the error.
  The bureaus do not share files.
* Never write your full Social Security number in a dispute letter. Last four
  only.
* Send copies. Never send an original document.
* Keep a complete copy of the signed letter and every enclosure exactly as sent,
  along with the certified mail receipt and the return receipt card.
* Write the mailing date and the certified mail number on your copy.

This template is general information, not legal advice, and it has not been
reviewed against your particular situation. Credit File Corrections is not a
law firm. Read every line and edit it so that it is accurate for you before you
sign and send it.

Related guide: https://creditfilecorrections.com/disputes/credit-bureau-dispute/
Statutory framework: 15 U.S.C. § 1681i
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