Credit Dispute Letter Template

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[Date]
[Your Name]
[Address]
[City, State, ZIP Code]
[Social Security Number]
Complaint Department
[Name of Credit Reporting Agency]
[Address]
[City, State, ZIP Code]
Dear [Name of Credit Reporting Agency],
I’m writing to dispute the following information in my credit file.
[Identify disputed items
here. List the name of your source, such as a creditor or tax court, and identify the type of
item, such as credit account, judgment, etc.]
The items I’m disputing are also circled on the attached copy of the file I received.
These items are inaccurate because
[describe and explain what is inaccurate or
incomplete].
I’m requesting that the items be deleted from my file, in order to correct the information.
Enclosed are copies of
[describe any enclosed documentation, such as payment records,
court documents]
which support my position.
Please reinvestigate these matters and correct the disputed items as soon as possible.
Thank you.
Sincerely,
[Signature]
[Printed Name]
Enclosures:
[List the items you are enclosing]

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