You can open the Dispute Credit Report Letter Template in multiple formats, including PDF, Word, and Google Docs.
Dispute Credit Report Letter Template Printable | Editable FormSample
Examples
[Your Name]
[Your Address]
[City, State, Zip Code]
[Your Phone Number]
[Your Email]
[Current Date]
[Credit Reporting Agency Name]
[Agency Address]
[City, State, Zip Code]
Dispute of Credit Report Item
I am writing to formally dispute certain information that appears on my credit report. I have enclosed a copy of my credit report for your reference. The item in question is [describe the item, e.g., “a late payment reported by XYZ Bank”], which I believe is inaccurate and should be removed.
The disputed item shows that [provide specifics, e.g., “I made a late payment on [date], but I believe I made the payment on time, as evidenced by the attached statement.”]
I have enclosed copies of [list documents, such as “bank statements, payment confirmations, and letters that support my dispute”]. These documents support my claim that the information you have reported is incorrect.
I kindly request that you investigate this matter and remove or correct the inaccurate information on my credit report. According to the Fair Credit Reporting Act, you are required to investigate my dispute within 30 days of receiving this letter.
I appreciate your prompt attention to this matter. Please inform me of the results of your investigation at your earliest convenience. You can reach me at the contact information provided above.
[Your Signature (if sending a hard copy)]
[Your Printed Name]
[Your Name]
[Your Address]
[City, State, Zip Code]
[Your Phone Number]
[Your Email]
[Current Date]
[Credit Reporting Agency Name]
[Agency Address]
[City, State, Zip Code]
Formal Dispute of Credit Report Entry
I am writing to dispute information contained in my credit report dated [date of credit report]. I believe the information reported is erroneous, specifically regarding [describe the item, e.g., “an account from ABC Collections”].
The account in question shows [explain the error, e.g., “an outstanding balance of $500, which does not reflect the fact that I paid off this account in full on [date], as indicated in the attached documents.”]
Please find attached copies of [list any attached documents, e.g., “receipts, payment confirmations, or any correspondence with the creditor”]. These documents support my position that the reported information is incorrect.
I respectfully request that you review this information and conduct an investigation as required by the Fair Credit Reporting Act. I would appreciate it if you could remove or correct this erroneous information from my credit report.
Thank you for addressing this serious matter. I look forward to your prompt response concerning the outcome of your findings. Please feel free to contact me via the information I’ve provided should you require further details.
[Your Signature (if sending a hard copy)]
[Your Printed Name]
Format
Please complete the form below to create the Dispute Credit Report Letter Template. All fields must be filled out to ensure a clear and complete letter. We provide examples to guide you through each step. Dispute Credit Report Letter Template 1. Disputant Information 2. Credit Reporting Agency Information 3. Account Information 4. Reason for Dispute 5. Supporting Documents 6. Declaration and Signature
PDF
WORD
Google Docs
Dispute Credit Report Letter Template Printable | Editable FormPrintable
