Sample Dispute Letter

Today's Date

Credit Bureau Name (Experian, Equifax, Trans Union )

Dear Sir or Madam:

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your company. I request that you investigate the following items and respond to me within 30 days of your receipt of this letter, in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. For your reference, I am enclosing a copy of my recently obtained report and other documentation that supports my request.

***Use the following sections as needed, filling in the appropriate information indicated in parentheses:

The following account does not belong on my credit report:
(creditor name, account#, reason why the account should be removed: too old, belongs to another person, other)

The following inquiry does not belong on my credit report:
(creditor name, date of inquiry, reason why the inquiry should be removed: older than 2 years, unauthorized, other)

My personal data is inaccurate:
(provide incorrect information and corrected information)

The following account is described erroneously and needs to be corrected:
(creditor name, account#, description of what is wrong and how it should be corrected)

The following account was closed at my request, but is not listed accurately on my report:
(creditor name, account#, evidence of closure.

When your company has corrected the inaccurate information described above, please send a corrected report to me and to anyone else who has requested a copy of my credit file within the last six months. In the event that your company does not respond to my request within 30 days, I will assume that you are unable to verify the information, which means you must immediately remove or correct the items in question.

Sincerely,

(Delete this line and sign your name here)

(Type your full, legal name)
(Type your full address)
(Type your home and work phone number)
(Type your social security number)