Specialized Credit Repair Dispute Letters to Credit Bureaus

1. When sending letters to credit bureaus, always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2, or a recent utility bill. Only 2 forms of ID are required. As long as you have your name at the close of the letter, there is no requirement that you sign it.
2. You are NOT required to send proof of identity to creditors and collectors and we do not recommend signing the dispute letter.
3. Do not copy these letters without making significant modifications. You will need to tailor the wording of each letter to fit your individual situation. These sample letters are meant to give you ideas on how to structure your own credit dispute letters.

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

The following personal information is being reported incorrectly on my credit report:

Incorrect Name:

Incorrect Address(es):

There should only be one address listed on my report, which is the address shown at the top of this letter. 

My name is also shown incorrectly on my credit report. My first name, middle name, and last name should be in the correct order.

Once you have corrected the personal information from my credit report, please send me a copy of my updated report.

Sincerely,
Your name

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

As per the Fair Credit Reporting Act, all items older than 7 years from the date of first delinquency (DOFD) should be removed. A recent review of my credit report shows the following information needs to be deleted.

• (Insert name of account) with account number (insert account number) with a DOFD of (insert date) must be deleted.
• (Insert name of account) with account number (insert account number) with a DOFD of (insert date) must be deleted.
• (Insert name of account) with account number (insert account number) with a DOFD of (insert date) must be deleted.
• (Insert name of account) with account number (insert account number) with a DOFD of (insert date) must be deleted.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP


SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx


Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I would like to request a free copy of my credit report that I am entitled to under the Fair Credit Reporting Act (FCRA). I am providing a copy of a current utility bill and a copy of a government photo id. My personal information is listed above.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP


SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx


Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I was recently denied credit and would like to request a free copy of my credit file to find out why.

My personal information is shown above. I am also including a copy of the letter the company sent me denying my application, along with a copy of a current utility bill and a copy of a government photo identification.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP


SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx


Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

Please remove all active fraud alerts on my credit file. This includes any temporary or extended fraud alerts. 

Along with this letter, I have included one document to verify my identity and one document to verify my address. 

Please reply to this letter and notify me in writing once these alerts have been removed.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP


SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx


Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I recently sent a letter to a furnisher which appears on my credit report. Unfortunately, the letter was returned by the postal service as undeliverable.

(Insert Creditor/Furnisher Name) with account number (insert account number)

You will note the delivery address on the envelope matches the information provided on my credit report exactly. The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states:

“The FCRA prohibits information furnishers from providing information to a consumer reporting agency (“CRA”) that they know (or consciously avoid knowing) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C)”

You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information.

I demand the deletion of this account from my report. Your compliance is expected and appreciated.

Please send me an updated report when complete.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP


SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx


Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I recently reviewed my credit report and found an account that does not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately:

(Insert Creditor/Furnisher Name) with account number (insert account number)

Please respond to me with an updated copy of my credit report once these accounts have been removed.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

This letter concerns the following account:

(Insert Creditor/Furnisher Name) with account number (insert account number) 


I disputed the referenced account above on (insert date). The credit report of (insert date) shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report.

Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions:

FCRA § 611, Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
Requirements relating to reinsertion of previously deleted material.

• Certification of accuracy of information. If any information is deleted from a consumer’s file pursuant to subparagraph (A), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
• If any information that has been deleted from a consumer’s file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
  • (I) a statement that the disputed information has been reinserted;
  • (II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and
  • (III) a notice that the consumer has the right to add a statement to the consumer’s file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

NOTICE OF LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER THE FAIR CREDIT REPORTING ACT

I have repeatedly asked for evidence to support your reporting of the following information on my credit file:

(Insert account name) with account number (insert account number)

You have failed to provide me with a copy of any viable evidence submitted by the furnisher(s) substantiating said claims. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611(a)(7).

Given that I believe you are acting in bad faith and have not complied with the Fair Credit Reporting Act, I have filed a lawsuit against you and have attached it to this letter.

I have maintained careful records of your actions and you are now required to appear as summoned:

Venue: (Courthouse Name)
Damages: (Claimed Damages From the Lawsuit)
Court Date: (Provide the date on the filing)

The damages identified above are for violations of the Fair Credit Reporting Act, including, but not limited to Section 611. Any additional violations are detailed in the lawsuit.

Before our court date above, if you decide to correct your records and permanently remove the negative and unverified data, please contact me at the address above and I will subsequently withdraw the lawsuit.

Sincerely,
Your Name