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Credit report dispute letter (Equifax, Experian, TransUnion)

You can dispute inaccurate information with each credit bureau that reports it. Under the Fair Credit Reporting Act the bureau generally must investigate within 30 days. Mail a separate letter to each bureau, using the dispute address on its official website.

Recommended: Certified + return receipt ($17.99)A return receipt shows when the bureau received your dispute, which starts the investigation clock.

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You add the addresses, preview the printed letter and see the exact price before paying. Blank fields stay as [brackets] so you can edit them there.

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Re: Dispute of inaccurate information

To [Credit bureau], I am writing to dispute inaccurate information in my credit file. Name: [Your full name] Date of birth: [Date of birth] SSN (last 4): [Last 4 of SSN] Current address: shown at the top of this letter The item I dispute: [Item you dispute (creditor, account number)] Why it is inaccurate: [Why it is wrong] I request that you [What should be done], and send me the results of your investigation and an updated copy of my report. Enclosed are copies of documents supporting my dispute and a copy of my identification. Sincerely, [Your name]

When to use this letter

  • An account, balance, late payment or personal detail on your report is wrong
  • You want a paper trail instead of an online dispute

Where to send it

Get the current dispute mailing address from the bureau's own website; they differ by bureau.

Tips before you mail it

  • Send copies, never originals. Upload your supporting documents and ID copy as one PDF.
  • Dispute with the company that furnished the information too.
  • The FTC and CFPB publish sample dispute letters.

The full template text

Re: Dispute of inaccurate information

To {{bureau}},

I am writing to dispute inaccurate information in my credit file.

Name: {{fullName}}
Date of birth: {{dob}}
SSN (last 4): {{ssnLast4}}
Current address: shown at the top of this letter

The item I dispute:
{{item}}

Why it is inaccurate:
{{why}}

I request that you {{fix}}, and send me the results of your investigation and an updated copy of my report.

Enclosed are copies of documents supporting my dispute and a copy of my identification.

Sincerely,

{{signature}}

Text in {{double braces}} is filled in from the form above. This is a general template, not legal advice.

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