Credit Report Dispute Letter Sample

Sample Credit Report Information Dispute Letter

Today’s Date

Equifax Credit Information Services Inc.
P.O. Box 740241
Atlanta, GA 30374

-OR-

TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

-OR-

Experian
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013

Dear Sir or Madam:

I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received and I have them listed here.

Example Item #1: I dispute Company Bank account #12345. I have never been late on
this account.

Example Item #2: I dispute Company Financial Services account #6789. This account was not a charge-off, please delete.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,

Your Name
Your Address, City, State, Zip Code

Enclosures: (List what you are enclosing.)