DIY Dispute Toolkit
Sample Dispute Letter #1 - Credit Report Error
[Your Address]
[City, State ZIP]
[Date]
[Credit Bureau Name]
[Address from page 3]
Re: Dispute of Inaccurate Information
Account Number: [XXXX]
Dear [Credit Bureau],
I am writing to dispute the following information in my credit report. I have reviewed my report dated [date] and found the following item to be inaccurate:
[Creditor Name] - Account #[XXXX]
Reason for dispute: [Brief explanation - e.g., "Not my account", "Paid in full", "Incorrect late payment"]
Under the Fair Credit Reporting Act (FCRA), you have 30 days to investigate this dispute and either correct the error or provide evidence that the information is accurate.
Please investigate and remove this inaccurate information from my credit report. Send me an updated copy of my report once the investigation is complete.
Sincerely,
[Your Signature]
[Your Printed Name]