Credit Report Dispute Letter Template

Updated: October 2026. Rules change; confirm with a licensed lender.

Copy this template, fill in the brackets and send one letter to each bureau. Find each bureau's current dispute address on its website.

[Your full name]
[Your address]
[City, state, ZIP]
[Date]

[Credit bureau name]
[Dispute address]

Re: Request to investigate inaccurate information

To whom it may concern:

I am disputing inaccurate information on my credit report:

Creditor name: [name]
Account number: [last 4 digits]
Inaccurate information: [describe, e.g. "this account is not mine" or "my [month] payment was made on time"]

I have attached copies of documents supporting my claim. Please investigate, correct or delete this information and send me the results in writing.

Sincerely,
[Signature]
[Printed name]

Tips

Send it by certified mail with return receipt and keep a copy. Attach copies, never originals. Bureaus normally have about 30 days to respond. If not fixed, dispute with the company that reported it and file a CFPB complaint.

Back to the full guide: how to repair your credit report.

Calculate your monthly payment free →