- A credit report identifies the company that supplied an inaccurate account, balance, status, date, or payment history.
- You can identify the exact item and the correction you want.
- You want the furnisher to investigate and notify the credit reporting companies if it supplied incorrect information.
- Find the furnisher dispute address on your credit report or in the company’s official instructions.
- Send a matching dispute to each credit bureau reporting the same error when appropriate.
- Mark the disputed item on a copy of the report and organize supporting records.
- Your name and mailing address
- Furnisher name and dispute address
- Account identifier as shown on the report
- Specific error and requested correction
- Copy of the relevant report page with the item marked
- Copies of statements, payment records, correspondence, or other evidence
Build a working draft
Your entries are never submitted or analyzed. Saving on this device is optional and off by default. Use partial account numbers and avoid entering a Social Security number.
1. Fill the placeholders
11 fieldsLeave anything blank to keep its bracketed placeholder in the draft.
2. Review and edit
The draft remains editable. Remove instructions and unused options before sending.
Placeholder fields remain available. Values are applied to placeholders or previous field values when they can be identified safely; otherwise, you will be asked before the full draft is regenerated.
Not saved on this device.
Check only what belongs with this specific letter. Send copies, not originals.
Keep these dates with your own copy. This tracker is not included in the letter.
View the unfilled template text
[Your name] [Your mailing address] [City, state ZIP] [Date] [Information furnisher name] [Credit-report dispute address] Re: Dispute of furnished credit information — [account or reference number] To whom it may concern: I am writing to dispute information your company furnished about the account above because I believe it is inaccurate or incomplete. Information reported: [Describe the account, balance, status, date, or payment history as it appears] What is inaccurate or incomplete: [Explain the specific error] Requested correction: [State the precise correction or deletion requested] Please investigate this dispute and correct or remove information that is inaccurate, incomplete, or cannot be verified. Please notify every credit reporting company to which you furnished the information and send me the results at the address above. I have enclosed copies of records supporting this dispute. Sincerely, [Your name] Enclosures: [List copies included]
- 1.Use the company’s designated credit-report dispute address.
- 2.Keep the originals of all supporting records.
- 3.Retain the letter and delivery confirmation.
- 1.Record the delivery date.
- 2.Review the furnisher’s response and updated credit reports.
- 3.Keep the results with the matching bureau dispute.
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.
Directory links reviewed August 13, 2026. Verify addresses and instructions before sending.
