How to Dispute Credit Report Errors in Writing

If your credit report has errors, it is important that you dispute them right away. Credit report errors can be very costly, in the form of higher interest rates, higher insurance premiums, loan denial, promotion or job loss, or housing denial. Under the Fair Credit Reporting Act, credit reporting agencies must make sure that all information that they report is accurate. Unfortunately, credit report errors are very common.
You have the right to dispute credit report errors and sue credit reporting agencies for damages.

Most credit reporting agencies (CRAs) have a disputes area on their websites, or they will send you a form with your credit report. If you do not have a correction form, or cannot locate a dispute submission area online, you can dispute credit report errors in writing.

Dispute Credit Report Errors In Writing

Table of Contents

Use letter below as a template and then handwrite or type the letter.
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Remember to always keep a copy of each letter or online submission you send. Under the Fair Credit Reporting Act, the CRAs have 30 days to look into your complaint and act on it, and documentation of the dispute or investigation must show in your report.

Sample Credit Report Dispute Letter

Date

Your name
Your address
Your city, state, zip code

Name of CRA [Equifax, Experian, Trans Union]
Address
City, state, zip code

Dear Sir or Madam:

After reviewing my credit report, I am writing to dispute the following inaccurate information. I am listing each item along with the way it should be corrected:

[Account name] [Account number] [How it should report / Why it’s inaccurate*]

Supporting documents have been enclosed. Pursuant to the FCRA, please forward them to the credit furnishers. If you are not going to forward them, please inform me so I may do so myself.

Sincerely,

(sign here)

Your name
Your Social Security Number
Your Date of Birth

Enclosures: (list what you are enclosing – examples: police report, fraud affidavit, proof of payment, etc)

*Note: The more detailed and specific information you can give to describe the reason it’s inaccurate, the better. You should also list any/all inaccurate personal information and inquiries.

You may send a dispute letter to each Credit Reporting Agency from whom you have ordered, received, and reviewed, a copy of your report if you think there are errors or wrong information. The addresses for dispute letters to the big 3 CRA’s are:

TransUnion LLC

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
(800) 916-8800

Equifax Information Services, LLC

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
(866) 349-5191

Experian

Experian Nat’l Consumer Assistance Center
P.O. Box 4500
Allen, TX 75013
(888) 397-3742