Credit Report Dispute letter template

Finance

Force a bureau to reinvestigate an inaccurate item under the FCRA.

Template preview

[DATE]

[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]

Bracketed fields are filled in automatically from your answers, then rewritten by AI into a professional letter in your own voice.

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What you'll need

• Recipient
• Recipient address
• Your name
• Your address
• Disputed item
• Facts
• Desired outcome

Add-ons for this letter

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Follow-Up Letter$2

Second-round letter when your first demand is ignored.

escalation$5

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State filing guide, complaint template, and court-day prep.

AI Dispute Engine is not a law firm and does not provide legal advice. Documents are for informational and self-help purposes only. This does not create an attorney-client relationship. For legal advice specific to your situation, consult a licensed attorney in your jurisdiction.