July 29, 2026 [recipient name] [recipient address] Re: Formal Dispute Under the Fair Credit Reporting Act — 15 U.S.C. § 1681i To Whom It May Concern: I am disputing the following item on my credit report as inaccurate or unverifiable: [item description] Facts: [facts] Requested resolution: [desired outcome] Pursuant to 15 U.S.C. § 1681i, please reinvestigate this item within thirty (30) days, delete or correct any item that cannot be verified, and send me written confirmation of the result along with an updated copy of my credit report. Sincerely, [user full name] [user address]
Finance
Credit Report Dispute
Force a bureau to reinvestigate an inaccurate item under the FCRA.
Answer a few plain-English questions and we'll generate a professional letter addressed to your credit bureau — citing the right rules, in the right tone, ready to send. No account needed to start.
- Cites FCRA § 1681i — 30-day reinvestigation window
- Bureau must delete unverifiable items
STEP 1
Answer questions
A short guided form — about 3 minutes.
STEP 2
Create free account
Your first letter is on us — no credit card.
STEP 3
Download & send
PDF or DOCX, formatted and ready to mail.
Choose a different dispute
Finance
Credit Report Dispute
Question 1 of 714%
The person, company, or agency this letter is addressed to.
✓ Cites FCRA § 1681i — 30-day reinvestigation window
- 256-bit Encryption
- Bank-Level Privacy
- No Monthly Subscription
Live preview — updates as you type
🎁 First letter free — create account to unlock
Frequently asked
- Will this hurt my credit?
- Disputing inaccurate items can only help. Credit bureaus are required to investigate within 30 days, and inaccurate items must be removed or corrected.
- Do I need an account to start?
- No. You can fill out the form and generate a draft for free. You only pay when you want to unlock and download the final letter.
- How much does it cost?
- One-time unlock is a flat $4.99 per letter — any dispute type. Subscription plans are also available if you expect to send several letters.
- Will this letter actually work?
- A well-written, specific letter — citing the right rules and a clear desired outcome — dramatically increases your odds. We can't guarantee any particular result, but a real letter beats silence every time.