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Credit Reporting and Agencies

Sample Dispute Letter

Use this letter as an example of the one you would use to dispute information that you think is inaccurate or incorrect on your credit report.

Be sure to include:

  • A copy of your credit report with the item or items in dispute circled, and
  • Any documentation that will help support your claim.

[Your name]
[Your address]

Complaint Department
[The name of the credit reporting agency]
[The address of the credit reporting agency]

City, State, Zip Code

To Whom It May Concern:

I am writing to dispute the following information my file.

The items I dispute also are circled on the attached copy of the credit report I received.

The collection reported for [the item in dispute] is inaccurate because [the reason the report is inaccurate].

  • I am requesting that this item be deleted to correct the information.
  • Please investigate these matters and delete the disputed items as soon as possible.

Sincerely,

[Your signature]

Enclosures:

Credit Report
[Any other supporting documentation]

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