Free Credit Report Dispute Letter Generator
Fill it in, print it, mail it. Nothing you type is saved or sent.
Found something wrong on your Equifax, Experian, or TransUnion report? Add each error, choose what's wrong, and we'll write a dispute letter asking the bureau to fix or remove it. Nothing you type is saved or sent.
Dispute errors on your Equifax, Experian, or TransUnion report. Add up to 5 items.
January 1, 2026 Equifax [Recipient address] RE: Request for reinvestigation of disputed information To Whom It May Concern: I am writing to dispute the following information in my credit file. I have enclosed a copy of my report with each disputed item marked. 1. [Company name], account ending [last 4 digits]. This account does not belong to me. I am requesting that this item be removed. Under the Fair Credit Reporting Act (15 U.S.C. § 1681i), please conduct a reasonable reinvestigation of these items and delete or correct any information that is inaccurate, incomplete, or cannot be verified. Please send me the results in writing and a free copy of my report if anything changes. Sincerely, _____________________________ [Your full name] [Your mailing address] Enclosures: • A copy of a government-issued ID • A copy of a utility bill or bank statement showing your current address • Your credit report with the disputed items marked • Copies (never originals) of any proof, like payment confirmations or account statements
Get the current mailing address from Equifax's dispute page. Published addresses vary between sources.
The bureau generally has 30 days to investigate (45 in some cases) and must send you the results within 5 business days of finishing.
Dispute the same error with the company that reported it too, using the creditor dispute letter.
General information, not legal advice. ReliefGuardian isn't a law firm.
When to use it
Use it for information that's inaccurate or incomplete: a balance that's wrong, late payments you didn't make, a paid account showing unpaid, a duplicate listing, or negative items older than the reporting period. Send a letter to each bureau that shows the error.
If someone opened the account in your name, use the identity theft dispute letter instead. If the information is accurate, a dispute won't remove it. A goodwill letter is the better ask.
What happens next
The bureau generally has 30 days to investigate (45 in some cases). It contacts the company that reported the item, and it has to send you the results within 5 business days after it finishes. If the item can't be verified, it has to be corrected or deleted.
How to send it
- Get the current mailing address from the bureau's dispute page. Published addresses vary between sources.
- Attach copies of your ID, proof of address, and your report with the items marked. Never send originals.
- Send it by Certified Mail with a return receipt, and keep a copy.
- Dispute the same error with the company that reported it too, using the creditor dispute letter.
Questions people ask
Is it better to dispute online or by mail?
Online is faster. Mail gives you a paper trail and lets you attach exactly what you want. If you dispute online, save screenshots and the confirmation number.
What's a "609 letter"?
It isn't a loophole. Section 609 of the FCRA gives you the right to see what's in your file. Disputes run under section 611. No letter makes accurate information disappear.
Will disputing hurt my score?
No. Disputing doesn't lower your score.
What to do next
Collectors behind the errors? Check whether the debt is too old with the statute of limitations checker.
Related
Other letters: Debt validation letter · Creditor dispute letter · Stop contacting me letter · Communication preference letter · Hardship letter · Debt settlement letter · Identity theft dispute letter · Goodwill letter
Tools: Statute of limitations checker · ReliefGuardian Debt Plan · Free checklists and worksheets
Sources
- 15 U.S.C. § 1681i(opens in a new tab)
- CFPB, How do I dispute an error on my credit report?(opens in a new tab)
Federal rules are cited directly. State law varies, so state-specific timelines and exemptions should be confirmed with your state's statutes or a local attorney.