Sample Dispute Letter to Creditors
Certified Mail, Return Receipt Requested
Date:
Your Name
Your Address
Your City, State, Zip Code
Creditor Name
Address (send to address for disputes, not to address where you send payments)
Ladies and Gentlemen:
You are currently reporting to the credit bureaus [or name the credit bureaus] that I failed to pay on account number __________in the amount of $___________.
I am writing to demand that you instruct the credit bureaus, Trans Union, Equifax and Experian, to remove that account from my credit reports because [it is not my account, it is over seven years since it was charged off, it was paid on time, or other reason].
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, police report, court documents) supporting my position.
My social security number is _______. My date of birth is __________. I have lived at the above address since ______________. Before that I lived at _____________. Enclosed are copies of [documents to prove identity such as social security card, driver’s license, and utility bills showing your home address].
Sincerely,
Your name
Enclosures: (List what you are enclosing)