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)