Credit Report Dispute Letter Templates

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

[CREDIT BUREAU NAME]
[BUREAU ADDRESS]

Re: Dispute of Inaccurate Information
Account: [ACCOUNT NAME / NUMBER FROM REPORT]

To Whom It May Concern:

I am writing to dispute information being reported on my credit
report. After reviewing my credit report dated [DATE OF REPORT],
I have identified the following inaccuracy:

Account: [SPECIFIC ACCOUNT NAME AND NUMBER]
Reported By: [FURNISHER NAME]
Issue: [BRIEF DESCRIPTION OF THE INACCURACY]

[DETAILED EXPLANATION OF WHY THIS IS INACCURATE, INCLUDING
SPECIFIC FACTS THAT SUPPORT YOUR POSITION]

Under the Fair Credit Reporting Act, specifically 15 U.S.C. section 1681i,
I am requesting that you investigate this matter and either:

(a) Correct the inaccurate information, or
(b) Remove the disputed item if it cannot be verified.

I have enclosed the following documentation supporting my dispute:
- [LIST DOCUMENTS YOU ARE INCLUDING]

Please complete your investigation within the 30-day period
required by FCRA and notify me in writing of the results.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

Enclosures: [LIST OF ENCLOSED DOCUMENTS]

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

[CREDIT BUREAU NAME]
[BUREAU ADDRESS]

Re: Dispute of Inaccurate Date of First Delinquency
Account: [ACCOUNT NAME / NUMBER FROM REPORT]

To Whom It May Concern:

I am disputing the Date of First Delinquency being reported by
[FURNISHER NAME] on the above-referenced account.

Account Information As Reported:
- Furnisher: [FURNISHER NAME]
- Original Creditor: [ORIGINAL CREDITOR NAME]
- Date of First Delinquency Reported: [DATE FROM REPORT]
- Scheduled Removal Date Reported: [DATE FROM REPORT, IF SHOWN]

Actual Date of First Delinquency:
The original delinquency on this account occurred in [ACTUAL
DATE OR APPROXIMATE DATE]. My last payment to the original
creditor was [DATE OF LAST PAYMENT]. The next missed payment
that was never brought current was [DATE OF FIRST UNCURED
DELINQUENCY].

The Date of First Delinquency being reported is approximately
[NUMBER] years later than the actual original delinquency. This
is a violation of FCRA section 605(c), which states:

"In the case of any consumer reporting agency that complies with
the requirements set forth in section 1681e(a) of this title,
the consumer reporting agency shall not include any information
in a consumer report that is more than seven years old, where
the running of the period begins on the date of commencement of
the delinquency which immediately preceded the action [collection
or charge-off], regardless of the date of any subsequent activity."

The seven-year reporting clock cannot be reset by sale or transfer
of the debt. Based on the actual Date of First Delinquency, this
account should have a scheduled removal date of [CORRECT DATE].

I am requesting under FCRA section 1681i that you:

(a) Verify the actual Date of First Delinquency with the original
creditor, and
(b) Correct the reporting to reflect the actual date, and
(c) Remove this account if [FURNISHER NAME] cannot verify the
original Date of First Delinquency.

Enclosed is documentation supporting my position:
- [LIST DOCUMENTS]

Please complete your investigation within 30 days as required
by FCRA and notify me in writing of the results.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

Enclosures: [LIST OF ENCLOSED DOCUMENTS]

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

[CREDIT BUREAU NAME]
[BUREAU ADDRESS]

Re: Account Past Required Removal Date
Account: [ACCOUNT NAME / NUMBER FROM REPORT]

To Whom It May Concern:

I am disputing the continued reporting of the above-referenced
account, which is past the seven-year reporting period
established by FCRA section 605(a)(4).

Account Information:
- Furnisher: [FURNISHER NAME]
- Original Creditor: [ORIGINAL CREDITOR NAME]
- Date of First Delinquency: [ACTUAL DATE]

The Date of First Delinquency on this account was [DATE], which
is more than seven years ago. Under FCRA section 605(a)(4), this
account must be removed from my credit report.

I am requesting that you:

(a) Verify the Date of First Delinquency with the original
creditor or current furnisher, and
(b) Remove this account from my credit report as required by
FCRA section 605(a)(4).

Enclosed is documentation supporting the actual Date of First
Delinquency:
- [LIST DOCUMENTS]

Please complete your investigation within 30 days as required
by FCRA and notify me in writing of the results.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

Enclosures: [LIST OF ENCLOSED DOCUMENTS]

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

[CREDIT BUREAU NAME]
[BUREAU ADDRESS]

Re: Account That Does Not Belong to Me
Account: [ACCOUNT NAME / NUMBER FROM REPORT]

To Whom It May Concern:

I am disputing the above-referenced account, which is appearing
on my credit report but does not belong to me.

Account Information As Reported:
- Furnisher: [FURNISHER NAME]
- Original Creditor: [ORIGINAL CREDITOR NAME, IF SHOWN]
- Date Opened: [DATE FROM REPORT]
- Account Type: [TYPE FROM REPORT]

I have never had an account with [FURNISHER NAME / ORIGINAL
CREDITOR NAME]. [BRIEF EXPLANATION OF WHY YOU BELIEVE THIS IS
NOT YOUR ACCOUNT - E.G., "I HAVE NEVER LIVED AT THE ADDRESS
ASSOCIATED WITH THIS ACCOUNT" OR "THE DATE THIS ACCOUNT WAS
ALLEGEDLY OPENED IS BEFORE I MOVED TO THE UNITED STATES" OR
"THIS ACCOUNT BELONGS TO MY FATHER WHO HAS A SIMILAR NAME"]

[IF IDENTITY THEFT IS SUSPECTED, ADD: "I have filed an identity
theft report with the FTC (report number [NUMBER]) and a police
report with [DEPARTMENT] (report number [NUMBER]). Both are
enclosed."]

I am requesting under FCRA section 1681i that you:

(a) Verify whether this account belongs to me by reviewing the
identifying information ([SSN, DOB, ADDRESS HISTORY] as
appropriate), and
(b) Remove this account from my credit report if it does not
belong to me.

Enclosed is documentation supporting my dispute:
- [LIST DOCUMENTS]

Please complete your investigation within 30 days as required
by FCRA and notify me in writing of the results.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

Enclosures: [LIST OF ENCLOSED DOCUMENTS]

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

[CREDIT BUREAU NAME]
[BUREAU ADDRESS]

Re: Inaccurate Balance Reporting
Account: [ACCOUNT NAME / NUMBER FROM REPORT]

To Whom It May Concern:

I am disputing the balance being reported on the above-referenced
account.

Account Information As Reported:
- Furnisher: [FURNISHER NAME]
- Balance Reported: $[REPORTED BALANCE]
- Date of Last Update: [DATE FROM REPORT]

Actual Balance:
The actual balance on this account is $[CORRECT BALANCE].
[EXPLANATION: "The original debt was $[AMOUNT], and the additional
fees being added are not authorized by the original contract"
OR "I have payment receipts showing the balance has been reduced
to $[AMOUNT]" OR similar specific explanation]

I am requesting under FCRA section 1681i that you:

(a) Verify the accurate current balance with the furnisher, and
(b) Correct the reporting to show the accurate balance, or
(c) Remove this account if [FURNISHER NAME] cannot verify the
balance they are reporting.

Enclosed is documentation supporting the actual balance:
- [LIST DOCUMENTS]

Please complete your investigation within 30 days as required
by FCRA and notify me in writing of the results.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

Enclosures: [LIST OF ENCLOSED DOCUMENTS]