Dispute Letter Template - Equifax Consumer Financial Protection Buresu
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2Consumer Financial Protection Buresu Dispute Letter Template
[Your complete name]
[Report confirmation number, if available]
[Identifying information requested by company, typically including:
Date of birth
•
Address
•
Telephone number]
•
[Your return address]
[Date]
[Address of credit reporting company, select one of three below]
[Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374]
[Experian
P.O. Box 4500
Allen, TX 75013]
[TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016]
Dear [Name of credit reporting company: Equifax or Experian or TransUnion],
I am writing to dispute the following information that appears on my [Equifax or Experian or
TransUnion] consumer report:
Dispute 1 [The following examples are meant to be helpful, include all disputes that apply]
Account Number or other information to identify account: [Insert account number or other
•
information, such as account holder names and past addresses. This is especially
important if you have had multiple accounts with the same company.]
Source of dispute information: [Insert the name of the company, such as the bank, that
•
provided the information to the credit reporting company.]
Type of disputed information: [Insert category of disputed information such as public records
•
information, unknown credit account/tradeline, inquiry, etc.]
Dates associated with item being disputed: [Insert the date that appears on your report. This
•
helps ensure that the correct account is identified by the company and to identify which
aspects of the report are being disputed. You can still file a dispute if you don’t have this
date.]
Explanation of item being disputed: [Insert details about why you think the information is
•
inaccurate. Choose one of the choices below if it fits, or add your own description.]
o
My report includes accounts with a reported name that is different than mine.
o
I don’t recognize the accounts in question.
o
The report shows I owed money to the company that I have already repaid. [Give details
about when you paid, and attach a copy of any proof that you have.]
o
The current status of my account is not correct. The report shows that I am delinquent
but I have made all of my payments on time. [Include account history or other
information that shows the on time payments.]
o
I’m the victim of identity theft and I don’t recognize one or more of the accounts on my
report. [You may wish to include a copy of the
FTC identity theft affidavit
describing the
identity theft.]
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Parent category: Letters