Do you need a sample credit report dispute letter? Consumers contact us for help with credit report errors.  Incorrect information on your credit report can keep you from getting a loan, employment or housing.  Incorrect information on your credit reports, such as name variations, date of birth, Social Security number variations, public records, collection items, accounts, etc…, may indicate that the credit bureaus have mixed your file with another consumer.  Ccredit report errors may also indicate that you are a victim of identity theft.

The Fair Credit Reporting Act (FCRA) gives consumers important rights under federal law.  For example, the FCRA gives consumers the right to dispute credit report errors – for free.  You do not have to hire a credit repair company to force the credit bureaus to comply with the FCRA.  You shouldn’t have to pay anyone to send a dispute letter to the credit bureaus.

Sample Dispute Letter

If you find errors on your credit report, then you should send a dispute letter to the credit bureaus, including Equifax, Experian and Trans Union.  Click HERE for mailing addresses for the credit bureaus.  The Federal Trade Commission (FTC) prepared the following model dispute letter.

Your Name
Your Address, City, State, Zip Code

Complaint Department
Name of Company
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be removed [or request another specific change] to correct the information.

Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents] supporting my position. Please reinvestigate this (these) matter(s) and [delete or correct] the disputed item(s) as soon as possible.



Social Security number:

Date of Birth:

Enclosures: [List what documents you are enclosing]


The dispute letter can be short and simple.  After all, most consumer disputes sent by mail to the credit bureaus are processed overseas.  Simply tell the credit agency what is wrong and why.  Here is a sample dispute for a bankruptcy public record:

“I am disputing Chapter 7 Bankruptcy case number 12-3456.  I am disputing this bankruptcy because I never filed for bankruptcy.  Please delete this public record from my file.”

Here’s another sample dispute for a public record – a judgment.

“I am disputing case number 12-3456.  I am disputing this public record because the judgment is not being reported correctly.  I paid the judgment.  The judgment should be reported as paid.  The judgment is not being reported as paid.  Please update my file.”

These are just a couple of examples of public record dispute letters.  Contact us for additional examples.  You should send your dispute letter by certified mail return receipt requested.  DO NOT MAKE AN ONLINE DISPUTE OR A DISPUTE OVER THE PHONE.  Online disputes limit your ability to explain your dispute.  Also, you cannot upload supporting documents online.  Telephone disputes become “he said – she said” arguments and do not help consumers.  The credit bureaus seldom produce phone records, let alone a detailed accounting of phone disputes.

Written disputes allow you to state what is inaccurate and why it is inaccurate in your own words.  You can enclose documents which support your dispute, such as court records, police reports or proof of payment.  Upon receipt of your dispute letter, the credit bureaus must reinvestigate the dispute information.  The FCRA requires credit agencies to notify the data furnisher of your dispute and provide them with all relevant information about your dispute.  In the event the credit bureaus send you a letter telling you that the disputed information was “verified” you may be entitled to money damages under the FCRA.

Under the Fair Credit Reporting Act (FCRA), the credit reporting agencies have a duty to reinvestigate information disputed by consumers, unless it is a frivolous dispute.  The credit bureaus are supposed to delete the disputed item or forward your dispute to the data furnisher.  Next, the company who supplied the information to the credit reporting agencies (the data furnisher) must investigate the disputed information.  Data furnishers do not have any liability under the FCRA for a private cause of action until you send your dispute to the credit bureaus and the credit bureaus notify the data furnisher of your dispute.  In other words, you cannot sue the data furnisher (such as a credit card company) under the FCRA until after you make a dispute to the credit bureaus!

Have you disputed credit report errors to Equifax, Experian or Trans Union?  Did the credit reporting agencies verify incorrect information? FCRA attorney Micah Adkins is a consumer lawyer.  He represents clients who are victims of identity or have credit report errors.  For more information about your rights under the FCRA, contact us for a free case review 24/7 at 1-800-263-9091.  The call is free and so is the consultation.