Sample Letter For Disputing Errors On Your Credit Report printable pdf download

Sample Letter For Disputing Errors On Your Credit Report

Sample Letter for Disputing Errors on Your Credit Report | Consumer Information

Page 1 of 2

FEDERAL TRADE COMMISSION

CONSUMER INFORMATION

consumer.ftc.gov

Sample Letter for Disputing Errors on

Your Credit Report

Use this sample to draft a letter disputing errors on your credit report.

Your letter should clearly identify each item in your report you dispute, state the facts and

explain why you dispute the information, and request that it be removed or corrected. You may

want to enclose a copy of your report with the items in question circled.

Send your letter by certified mail, “return receipt requested,” so you can document what the

credit reporting company received. Remember to include copies of the applicable enclosures

and save copies for your files.

[Your Name]

[Your Address]

[Your City, State, Zip Code]

[Date]

Complaint Department

[Company Name]

[Street 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

11/14/2014

Sample Letter For Disputing Errors On Your Credit Report