Sample Credit Reporting Act Dispute Letter

Date Your Name Your Address Your City, State, Zip Code

Complaint Department Name of Credit Reporting Agency Address City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are
encircled on the attached copy of the report I received.

(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.) This item is (inaccurate or incomplete)
because (describe what is inaccurate or incomplete and why). I am requesting that the item
be deleted (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

Enclosures: (List of whatever you are enclosing)