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P.O. BOX 2000 
CHESTER, PA 19022-2000 
ANY FURNISHER OF CREDIT INFORMATION 
ADDRESS OF ANY FURNISHER OF CREDIT INFORMATION...
Additionally, you are reporting several other accounts as delinquent that are past the 
seven-year reporting time as allow...
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Sample dispute letter to credit bureau under Fair Credit Reporting Act

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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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Sample dispute letter to credit bureau under Fair Credit Reporting Act

  1. 1. To subscribe to my FREE weekly legal newsletter visit http://freeweeklylegalnewsletter.gr8.com/ for more information. You can view over 250 sample legal documents for sale at: http://www.scribd.com/LegalDocsPro and document packages for sale at http://www.legaldocspro.com/downloads.aspx Be sure to remove all notices before using this document. 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 1
  2. 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 The accounts listed below are incorrect and several are outdated.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. 2
  3. 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 3

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