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Credit Report Dispute Letter Template

A written letter to a credit reporting agency such as Equifax, Experian, or TransUnion, disputing inaccurate or incomplete information on your credit report under the federal Fair Credit Reporting Act. Usable in any U.S. state. The bureau must reinvestigate, usually within 30 days. Let AI fill it in with your details. Ready to sign in minutes.

US Federal · Credit Reporting1 pagePDF · WordU.S. law

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DISPUTE OF INACCURATE CREDIT REPORT INFORMATION

[Date]

From: [Your name] [Your address]

To: [Credit bureau] [Credit bureau dispute address]

Re: Dispute of inaccurate information on my credit report

Item disputed: [the account, collection, or entry you are disputing]

The information is inaccurate

I am disputing the following item on my credit report because it is inaccurate or incomplete: [explain why the item is wrong].

Request for reinvestigation

Under the federal Fair Credit Reporting Act (15 U.S.C. § 1681i), I request that you reinvestigate this item and [investigate and delete or correct this information]. If you cannot verify the information, the FCRA requires you to delete it. Please send me the results of your reinvestigation and an updated copy of my credit report.

I have enclosed copies (not originals) of any documents that support my dispute. This is a right under federal law and applies regardless of the state I live in.

Sincerely, [Your name]

What's in this template?

The Credit Report Dispute Letter template organizes the following sections in line with U.S. law. AI fills in the document automatically from the details you provide.

Re: Dispute of inaccurate information on my credit report
The information is inaccurate
Request for reinvestigation

Frequently asked questions

Is this template legally valid?+

The template is drafted to follow the relevant statutes and, once signed, forms a valid document in most cases. Some matters may require notarization, a witness, or a specific format; consult a licensed attorney for your situation.

Can I edit it in Word?+

Yes. You can download the document as a PDF or an editable Word (.docx) file.

What does filling with AI mean?+

You answer a few questions; LawyerAI fills in the blanks and adapts the clauses for you.

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