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Templates and recordkeeping

Letters & records

Choose the situation first. Each source-backed resource explains who receives it, what to gather, how to send it, and what to track next.

These templates are educational starting points, not legal advice. State law, lawsuit status, bankruptcy, identity theft, and time-barred debt issues can change what you should send. If a collection company contacted you, verify its role and official details in the agency profiles before using a payment link or mailing address.

Cartas en español

Start with what happened

Find the right kind of record before you write

The recipient and legal process matter more than the document title. Choose the closest situation, then check the page’s caveats and deadline notice.

Something on my credit report is wrong

Choose whether to write to a credit bureau, the company that supplied the information, or both.

See matching resources

A debt collector contacted me

Request information, dispute a debt, limit contact, and keep a reliable record.

See matching resources

A card charge or statement is wrong

Prepare a written billing-error notice and preserve the statement and supporting records.

See matching resources

Someone used my identity

Start with the FTC recovery process, then prepare a bureau blocking packet.

See matching resources

Workflow packs

Keep related documents together

A letter is only one event. Each pack connects preparation, correspondence, attachments, delivery, and response tracking without requiring an account.

Pack 01 · Bureau + furnisher

Credit-report dispute pack

Coordinate the bureau letter, furnisher letter, evidence list, delivery dates, and investigation results.

Open pack Pack 02 · Identify + document

Collector-contact pack

Request missing facts, preserve a written dispute when appropriate, set contact limits, and document every response.

Open pack Pack 03 · FTC report + blocking request

Identity-theft correction pack

Connect the FTC recovery plan with the bureau blocking letter and a disciplined response record.

Open pack Pack 04 · Notice + evidence + timing

Credit-card billing-error pack

Prepare the written notice, supporting transaction records, proof of delivery, and issuer response timeline.

Open pack
01 · Credit reporting

Credit reporting

Correct a report through the bureau, the company that supplied the information, or both.

Letter Act promptly after finding an error

Credit bureau dispute letter template

A practical letter for disputing inaccurate or incomplete information with a credit reporting company.

Send to

Equifax, Experian, or TransUnion—the bureau that produced the report

Primary sources
  1. CFPB credit-report dispute letters — Consumer Financial Protection Bureau
  2. CFPB credit dispute timing — Consumer Financial Protection Bureau
  3. FTC Fair Credit Reporting Act — Federal Trade Commission
  4. FTC free credit reports — Federal Trade Commission
Open resource
Letter Act promptly after finding an error

Credit furnisher dispute letter template

A separate letter for disputing inaccurate credit-report information directly with the company that supplied it.

Send to

The lender, collector, landlord, or other company that furnished the information

Primary sources
  1. CFPB credit-report dispute letters — Consumer Financial Protection Bureau
  2. CFPB credit dispute timing — Consumer Financial Protection Bureau
  3. FTC Fair Credit Reporting Act — Federal Trade Commission
Open resource
02 · Debt collection

Debt collection

Get missing facts, preserve a timely dispute, or set communication boundaries.

Letter Send promptly and preserve proof of delivery

Debt collector contact-limits letter

A written request telling a debt collector to stop all contact or stop using a particular channel, number, or workplace.

Send to

The debt collector whose communications you want to limit

Primary sources
  1. CFPB stopping collector contact — Consumer Financial Protection Bureau
  2. CFPB debt collection limits — Consumer Financial Protection Bureau
  3. FTC debt collection FAQs — Federal Trade Commission
  4. FTC Fair Debt Collection Practices Act — Federal Trade Commission
Open resource
03 · Billing disputes

Billing disputes

Put a qualifying credit-card billing error in writing and document delivery.

04 · Identity theft

Identity theft

Use the official recovery path and assemble the records needed to block fraudulent reporting.

05 · Recordkeeping

Recordkeeping

Keep calls, letters, promises, delivery evidence, and next steps in one factual record.

State context

Check the rules and help where you live

Federal templates are a starting point. State law can add rights, deadlines, licensing rules, or court procedures. This finder routes you to official state consumer resources without trying to summarize those laws.

Choose your location to open its official consumer-protection office.

State attorney general Find legal aid State legal forms

Directory links reviewed August 13, 2026. Verify addresses and instructions before sending.

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Credit Proud is an educational resource, not a credit bureau, debt collector, government agency, or law firm. We do not provide legal advice or promise a specific credit outcome.