Consumers often contact us for a sample credit report dispute letter to dispute inaccurate information contained on their Experian, Equifax or Trans Union credit reports.  Did you know incorrect items can decrease your credit score and your ability to obtain (or keep) credit, insurance or a job?

If you need a free sample credit report dispute letter, then check out this sample dispute letter recommended by the Federal Trade Commission (FTC):

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.

Your name

Enclosures: (List what you are enclosing.)

If you have disputed inaccurate or incomplete information in your Equifax, Experian or Trans Union credit report, then you made be entitled to money damages under federal law, the Fair Credit Reporting Act (FCRA).  Contact Micah Adkins for a free consultation.