BLANK CREDIT REPORT DISPUTE LETTER TEMPLATE (CREDIT BUREAU)
Published by CreditHound - https://credithound.io
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BEFORE YOU USE THIS LETTER - READ FIRST

- This template is free. No signup, account, or contact permission is
  needed to download or use it.
- Fill it in offline, on your own computer or on paper. Do not send your
  records or this letter to CreditHound. CreditHound does not mail, send,
  or file disputes for you.
- This is general information, not legal advice.
- Use the credit bureau's current official dispute instructions and
  mailing address. Addresses change; check the bureau's own website or the
  CFPB directory linked below before you mail anything. You can also
  dispute online or by phone through the bureau's official channels.
- Follow the bureau's current instructions for identifying yourself.
- Send copies of your supporting records, never originals.
- Include only facts that are true for you. Delete any section that does
  not apply to your situation.
- For each item, identify the exact field that is wrong (for example the
  balance, a payment status, a date, or an account that is not yours) and
  the correction you are asking for.
- If you mail it, consider a trackable method. Keep a copy of the complete
  letter, every attachment, your mailing or submission receipt, and the
  written results you receive.
- Filing a dispute does not guarantee that any information will be
  corrected or deleted.

Replace every [BRACKETED FIELD] below, then delete these instructions
before printing.

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

[DATE YOU SEND THIS LETTER]

[CREDIT BUREAU NAME]
[CREDIT BUREAU DISPUTE MAILING ADDRESS - CHECK CURRENT OFFICIAL SOURCE]

Re: Request to investigate information in my credit file
Report reference (optional): [REPORT NUMBER OR CONFIRMATION NUMBER, IF ANY]

To the dispute department:

I am writing to ask you to investigate information in my credit file that
I believe is inaccurate or incomplete. Each item I dispute is described
below, with the specific information I believe is wrong and the correction
I am requesting.

ITEM 1
Company that reported the item: [CREDITOR, LENDER, OR COLLECTOR NAME]
Account number as shown on my report: [ACCOUNT NUMBER OR LAST DIGITS]
Information I dispute: [EXACT FIELD, E.G. BALANCE, PAYMENT STATUS, DATE]
What the report says: [WHAT THE REPORT CURRENTLY SHOWS]
Why I believe it is wrong: [FACTS THAT ARE TRUE FOR YOU]
Correction I am requesting: [CORRECT IT TO ..., OR DELETE IT IF IT CANNOT
BE SHOWN TO BE ACCURATE AND COMPLETE]
Supporting copies enclosed: [LIST COPIES FOR THIS ITEM, OR "NONE"]

ITEM 2 (delete if not needed; copy this block for more items)
Company that reported the item: [CREDITOR, LENDER, OR COLLECTOR NAME]
Account number as shown on my report: [ACCOUNT NUMBER OR LAST DIGITS]
Information I dispute: [EXACT FIELD]
What the report says: [WHAT THE REPORT CURRENTLY SHOWS]
Why I believe it is wrong: [FACTS THAT ARE TRUE FOR YOU]
Correction I am requesting: [REQUESTED CORRECTION OR DELETION]
Supporting copies enclosed: [LIST COPIES FOR THIS ITEM, OR "NONE"]

Please investigate each item listed above and correct or delete any
information that is found to be inaccurate or incomplete, as appropriate.
Please send me the written results of your investigation and, where
required, an updated copy of my credit report.

Enclosures (copies only): [LIST EVERY COPY YOU ARE ENCLOSING, OR "NONE"]

Sincerely,


______________________________
[YOUR FULL NAME]

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AFTER YOU SEND IT - GENERAL TIMING

- A bureau generally has 30 days from receiving your dispute to
  investigate. That can extend up to 45 days in some circumstances, such
  as a dispute based on a free annual report or when you send relevant
  additional information during the investigation.
- After it finishes, the bureau generally must notify you of the results
  within 5 business days.
- Details: https://credithound.io/resources/how-long-do-credit-report-disputes-take

OFFICIAL SOURCES

- CFPB, how to dispute an error on your credit report:
  https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
- CFPB, how long it takes to fix an error on a credit report:
  https://www.consumerfinance.gov/ask-cfpb/how-long-does-it-take-to-repair-an-error-on-a-credit-report-en-1339/
- FTC, disputing errors on your credit reports:
  https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports

MORE FREE GUIDES

- How to file a credit report dispute:
  https://credithound.io/resources/how-to-file-credit-report-dispute
- Dispute evidence checklist:
  https://credithound.io/resources/credit-report-dispute-evidence-checklist
- Dispute came back verified but is still wrong:
  https://credithound.io/resources/credit-report-dispute-verified-but-still-wrong