Bureau Addresses
- Equifax: Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374
- Experian: Experian, P.O. Box 4500, Allen, TX 75013
- TransUnion: TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016
The Letter
[Date]
[Your Name]
[Address]
[City, State ZIP]
Date of Birth: [MM/DD/YYYY]
Last 4 of SSN: XXXX
[Credit Bureau Name]
[Bureau Address]
Via Certified Mail, Return Receipt Requested
Re: Dispute of Inaccurate Credit Report Entry - FCRA Section 611
Dear Dispute Department:
I am writing to dispute the following item(s) on my credit report. I have enclosed a copy of my report with the disputed item(s) circled.
Item 1:
Creditor Name: [Name]
Account Number: [XXXXXXXXX]
Nature of Dispute: [Describe exactly what is wrong - wrong balance, wrong date, account not mine, paid but showing unpaid, past 7-year reporting limit, etc.]
Requested Action: [Delete / Correct balance to $0 / Update status to "paid" / Correct date]
Supporting Documentation: [List what you're enclosing: payoff letter, payment receipts, identity theft report, etc.]
Under the Fair Credit Reporting Act Section 611, I request that you investigate this item and correct or delete any inaccurate, unverifiable, or outdated information within 30 days. If the furnisher cannot verify the accuracy of this information, please delete it from my credit report.
Please send me written notification of the results of your investigation and a free copy of my updated credit report if any changes are made.
Sincerely,
[Your Signature]
[Your Printed Name]
[Phone Number]
Enclosures: [List documents enclosed]
Instructions
- Send to each bureau where the error appears - separately, via certified mail.
- Enclose copies (NOT originals) of supporting documentation.
- Enclose a copy of your credit report with the disputed item circled.
- The bureau has 30 days to investigate. If they verify the item, you can escalate - see the guide.