Sample Dispute Letter to Credit Bureaus

Your Name
Your Address
Your City, State, Zip Code

Date:

Certified Mail, Return Receipt Requested
Number of the Certified Mail Receipt [as shown on the Certified Mail slip provided by the United States Postal Service]

[Name of credit reporting agency]
[Address of credit reporting agency]

Ladies and Gentlemen:

I am writing to dispute the following information in my file. The items I dispute are circled on the attached copy of the report I received. [Identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.]

This item is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be deleted [or request another specific change] to correct the information.

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. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

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 following 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)