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Sample Inaccurate Credit Reporting Dispute Letter

(Sample Dispute Letter)

Below is a sample dispute letter that a consumer can send to a Trans Union, Experian, Equifax, or any other kind of credit reporting agency. This letter is to be used to dispute inaccurate information that is currently being reflected on the consumer’s credit report. Dispute letters should have as much relevant information and documentation as possible to prove why the reporting is inaccurate. As always, send this letter via certified mail so that you have proof of mailing.


[Your Name]

[Your Address, City, State, Zip Code]


[Credit Bureau Name]

[Street Address]

[City, State, Zip Code]


Subject: Disputing Information in Credit Report [give credit report number if you have one]

I am writing to dispute the following information in my file.

This item [for instance: retailer account at ABC Department Store] is inaccurate [or incomplete] because [describe in detail what is inaccurate or incomplete and why]. I am requesting that this item be removed [or request another specific change to correct the information].

[List and describe any other items you are disputing.]

[State the effect this inaccurate reporting is having on you. Explain your personal side of the story.]

Enclosed is documentation supporting my request: [describe the documents you’re sending, for instance: my credit report, with the disputed items circled.]

Please investigate this matter and delete [or correct] the disputed item[s] as soon as possible.


[Your name]

Enclosures: [List what you are enclosing]

To ensure that you are able to track your dispute and its attachments, send the dispute via certified mail. This allows you to receive a tracking number that you can later use to prove that the credit reporting agency received the dispute. The addresses for the credit reporting agencies are below:

TransUnion Consumer Solutions

P.O. Box 2000
Chester, PA 19016-2000


P.O. Box 4500,
Allen, TX 75013

Equifax Information Services, LLC

P.O. Box 740256
Atlanta, GA 30374-0256

Please note, this is not legal advice, but merely to give an example of what a letter could look like. We highly recommend that you consult with an attorney if you believe that your rights have been violated.

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