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Sample
Free Credit Report Dispute Letter
This is a sample letter to request an update to; or a deletion of, inaccurate information on your credit report.
Items in brackets require attention, modification or data.
[Date]
[Your Name]
[Your Address, City, State, Zip Code]
Complaint Department
[Name of Company]
[Address]
[City, State, Zip Code]
Dear Sir or Madam:
I recently obtained a copy of my credit report from your agency and found the following item to be in error:
Item 1: I dispute [card name and account number]. This account has been paid in full.
I am requesting that the item be [removed, updated, or other suggested change] to correct the information.
Enclosed are copies of [use this statement if you have bank statements, cancelled checks, or other documentation] supporting my position. Please reinvestigate [this/these] matter[s] and [delete/correct] the disputed item[s] as soon as possible.
Sincerely,
[Your name]
Enclosures: [List the documents you are enclosing. If none, do not include this section].
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