A Sample Dispute Letter To Send To The Credit Reporting Agencies

Below is a “Sample Dispute Letter” that you can use to dispute an incorrect item on your credit report with one of the three credit reporting bureaus.  This is one of the ways that the Federal Trade Commission (FTC) recommends handling incorrect information in the credit report.

Date

Your Name
Your Address,
City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

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

     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 and 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 what you are enclosing.)

The Federal Trade Commission works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357);

Tagged as: Credit Score, Debt