Sample Letter for Disputing Errors on Your Credit Report with Information Providers
Your letter should identify each item you dispute, state the facts and explain why you dispute the information, and ask that the information provider take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
Send your letter by certified mail, “return receipt requested,” so you can document what the information provider received. Remember to include copies of the applicable enclosures and save copies for your files.
[Your City, State, Zip Code]
[City, State, Zip Code]
I am writing to dispute the following information that your company provided to [give the name of the credit reporting company whose report has incorrect information]. I have circled the items I dispute on the attached copy of the credit report I received.
This item [identify item(s) disputed by type of item, such as credit account, judgment, etc., and your account number or another method for the information provider to locate your account] is[inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that [name of company] have the item(s) removed [or request another specific change] to correct the information.
Enclosed are copies of [use this sentence if applicable and describe any enclosed documents, such as payment records and court documents] supporting my position. Please reinvestigate this [these] matter[s] and contact the national credit reporting companies to which you provided this information to have them [delete or correct] the disputed item[s] as soon as possible.
Enclosures: [List what you are enclosing.]