Sample Credit Report
Dispute Letter
If you spot an error in your credit report, you need to contact both the
credit bureau and your creditor in order to dispute the incorrect
information. In your dispute letter to the creditor, you may want to enclose
a copy of the relevant portion of your credit report and highlight the items
in question.
The three major credit reporting bureaus each have a different process for disputing errors which may include filing a
dispute online, by phone, or through mail. A bureau might also ask for additional proof of identity, address, or other
documentation. When disputing an error through the mail, never mail in any original paperwork and keep copies of any
documents you share. The sample letter below can be used for contacting a credit bureau.
To: Name of Credit Reporting Bureau (Equifax, Experian, or TransUnion)
From: Your full name including middle initial (and generation such as JR, SR, II, III)
Credit report file number Social Security number
Birthdate Your phone number
All addresses where you have lived during the past two years
Employer (if any)
Date: ________________________
This is a request for you to investigate the following items that appear on my credit report:
Company/Creditor’s Name:____________________________________
Account #:__________________________________________________
This information is inaccurate because: (Check or list any that apply)
o This is not my account
o I have never paid late
o The following information is too old to be included in my report
o This account is closed
o I have paid this account in full
o This account is in bankruptcy
o I paid this before it went to collection or before it was charged off
o Other:_________________________________________________
(Or list other errors that need correcting, such as personal information, address, employer, etc.)
I understand that you will reinvestigate these errors with the creditor reporting the information, and remove any
information the creditor cannot verify. I look forward to hearing the results of your investigation within 30 days of
receipt of this letter, along with a free corrected copy of my credit report. Thank you for your attention to this
matter.
Sincerely, Your Signature
Credit Report Dispute Mailing Addresses:
Equifax Credit Information Services, Inc. Experian TransUnion Consumer Solutions
P.O. Box 740241 P.O. Box 4500 P.O. Box 2000
Atlanta, GA 30374 Allen, TX 75013 Chester, PA 19022-2000
By law, the credit bureau’s must respond to your dispute within 30-45 days, depending on the type of
error. If you have concerns, you can submit a complaint about problems with credit reporting bureaus
through the Consumer Financial Protection Bureau: www.consumerfinance.gov or call: 855-411-2372.
Visit the Check Your Free Credit Report Campaign’s website at http://fyi.uwex.edu/creditreport
