Sample Credit Dispute Letter — Follow up Letter to Credit Bureaus

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Send this credit dispute letter requesting follow-up to your original dispute letter.

If you don’t agree with the information contained in your credit report, you can send a credit dispute letter to each of the credit bureaus. This sample letter is used to follow up with a credit bureau with respect to the original dispute letter you already sent to them. Use this letter if you have not heard back from the bureau within the 30 or 45 days time limit. When you send this letter, include a copy of your original letter and any documentation showing they received your first letter, i.e., post office receipt showing date of delivery.

Please do not just simply copy and paste this letter. You need to tailor this letter to fit your particular circumstance. We have more sample credit repair letters to handle a variety of credit and debt situations.



Credit Bureau
Bureau Address

RE: Dispute Letter of date you sent in first or subsequent requests

To Whom It May Concern,

This letter is formal notice that you have failed to respond to my dispute letter of (date). I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on (date).

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of requests you receive daily. If this is the case, I’m sure you’ll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.

The following information, therefore, needs to be verified and deleted from the report as soon as possible:

CREDITOR AGENCY – Account #123-34567-ABC

Please delete this erroneous item from my credit report as soon as possible.


Your Signature

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