Credit Dispute Letter — Investigation Period Passed

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Use this credit dispute letter when the investigation time period has passed.

Part of repairing your credit is disputing inaccurate information found on your credit reports. If you have written a credit dispute letter to a credit bureau disputing the accuracy of an account, they have 30 days to investigate the account. If they cannot verify the information within 30 days, they must either delete the information or advise you that it is still under investigation. Failure to do either results in them having to remove the information in its entirety.

Please do not just copy this sample letter. You will need to tailor this letter to fit your specific situation. This letter is merely a suggestion as to what to say to a credit bureau.

We have more sample debt settlement letters available to address a variety of debt situations.


Your Name
Your Address

Credit Bureau Name
Credit Bureau Address

To Whom It May Concern,

I sent a letter to you disputing 5 accounts as erroneous on (date) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on (date). It is now (date) and I have not received a response from you. Per the Fair Credit Reporting Act, Section § 611 (a) (5), you have 30 days to investigate disputes. If you cannot verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a $1,000 fine per undeleted item.

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed.

Thanks in advance for your timely response to this request.


Your Signature

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