This is a sample dispute letter to a credit bureau to dispute inaccurate information in a credit report. The letter is sent pursuant to the Fair Credit Reporting Act found in Title 15 Section 1681 et seq. of the United States Code. The sample is 3 pages and includes brief instructions as well as the current addresses as of November 13, 2014 for Equifax, Experian and Transunion credit report disputes.

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Send this letter to the credit bureau(s) that are reporting the
inaccurate credit information as well as the furnisher(s) of the
credit information.
Date:___________________
VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED NUMBER:
XXXXXXXXX
YOUR NAME
YOUR STREET ADDRESS
YOUR CITY, STATE AND ZIP CODE
EQUIFAX CREDIT INFORMATION SERVICES, INC
P.O. BOX 740241
ATLANTA, GA 30374
EXPERIAN
DISPUTE DEPARTMENT
P.O. BOX 4500
ALLEN, TX 75013
TRANSUNION
CONSUMER SOLUTIONS
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2. P.O. BOX 2000
CHESTER, PA 19022-2000
ANY FURNISHER OF CREDIT INFORMATION
ADDRESS OF ANY FURNISHER OF CREDIT INFORMATION
To Whom It May Concern:
This letter is a formal dispute under the provisions of the Fair Credit Reporting Act
(“FCRA”) 15 USC § 1681 et seq. that you are reporting inaccurate credit information.
After a careful review of my credit report it has come to my attention that there are
several inaccurate listings contained in my credit report. The accounts listed below are
incorrect and several are outdated. The following accounts need to be investigated
immediately to reflect my truthful credit history. If any accounts listed below cannot be
verified they should be deleted from my credit report as soon as possible.
I was very upset when I discovered that you have included the information I have
specified below in my credit profile which has resulted in my credit score being
negatively impacted in a major way. As I am sure you are aware, the FCRA requires you
to properly investigate any debt dispute. I am sure that the inclusion of this inaccurate
information is a mistake on either your or the reporting creditor's part.
Because of the mistakes on my credit report, I have been wrongfully denied credit
recently for a LIST THE TYPE OF CREDIT YOU WERE DENIED HERE which
was extremely embarrassing and has negatively impacted my lifestyle.
I have attached documentation to this letter which supports my dispute. Under the
provisions of the FCRA you must respond to my dispute within 30 calendar days from
the date of this letter. If you fail to do so the disputed information must be deleted.
THE EXAMPLES SHOWN BELOW SHOULD BE MODIFIED TO FIT YOUR
PARTICULAR SITUATION:
NAME OF CREDITOR-ACCT # XXXX-XXXX-XXXX-XXXX
This account is listed as being 60 days late. I have never been late on this account.
NAME OF CREDITOR-ACCT # XXXX-XXXX-XXXX-XXXX
This account is listed as being 30 days late. This account does not belong to me.
NAME OF CREDITOR-ACCT # XXXX-XXXX-XXXX-XXXX
This account is listed as being 60 days late. The creditor admitted to me that they lost my
check and agreed to correct the late notation on my credit report. Enclosed is a copy of
their letter admitting they lost my check and agreeing to correct the late notation.
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3. Additionally, you are reporting several other accounts as delinquent that are past the
seven-year reporting time as allowed under the Fair Credit Reporting Act. The following
accounts should be deleted immediately:
NAME OF CREDITOR-ACCT # XXXX-XXXX-XXXX-XXXX
This account is more than seven years old.
NAME OF CREDITOR-ACCT # XXXX-XXXX-XXXX-XXXX
This account is more than eight years old.
NAME OF CREDITOR-ACCT # XXXX-XXXX-XXXX-XXXX
This account is more than nine years old.
I have attached the following documents to this letter which support my dispute.
LIST ATTACHMENTS THAT ARE INCLUDED.
INCLUDE ALL INFORMATION LISTED BELOW.
FULL NAME INCLUDING YOUR MIDDLE INITIAL
YOUR DATE OF BIRTH
YOUR SOCIAL SECURITY NUMBER
ALL ADDRESSES WHERE YOU HAVE LIVED DURING THE PAST TWO
YEARS
ENCLOSE ONE CLEAR COPY OF YOUR DRIVER’S LICENSE OR OTHER ID
CARD ISSUED BY YOUR STATE
IF AVILALABLE ENCLOSE ONE COPY OF A UTILITY BILL, BANK
STATEMENT, ETC.
Please correct, verify and/or delete the above information as quickly as possible and send
me a response which includes a confirmation that the disputed information has been
deleted along with a corrected copy of my credit report. Thank you in advance for your
prompt attention to this matter.
Sincerely,
________________________
YOUR SIGNATURE
YOUR NAME
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