Example of a credit report dispute letter

by


Explain to the credit reporting agency, in writing, what information you believe is inaccurate. With your letter, make sure to include copies (NOT the originals) of documents that support your claim. In addition to providing your complete contact information that includes your address and name, your letter should identify each item, in a clear manner, what you are disputing on your credit report. Make sure to explain why you dispute the information and state the facts, plus request that it be corrected or removed. You may want to enclose a copy of your credit report with the items in question circled. Your letter may look something like the one below. To document what the credit reporting agency receives, send your letter by return receipt requested,certified mail. Keep copies of your enclosures and dispute letter.



Date
Your Name
Your Address, City, State, Zip Code
Complaint Department

Name of Company
Address
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 a judgment, credit account etc.) is (incomplete or inaccurate) because (describe what is incomplete or inaccurate 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 court documents, payment records) supporting my position. Please reinvestigate this (these) matter(s) and (correct or delete) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing.)