This is a sample credit report dispute letter that you can send to credit bureaus. Use this letter to request an update to or a deletion of inaccurate information on your credit report. Replace the [bold statements] with your information.
Sample Credit Report Dispute Letter
DateYour Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I recently obtained a copy of my credit report from your agency and found the following item to be in error:
Item 1: I dispute [ABC credit card] account number [555111]. This account has been paid in full.
I am requesting that the item be [removed, updated, or other suggested change] to correct the information.
Enclosed are copies of [use this statement if you have bank statements, cancelled checks, or other documentation] supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
Enclosures: [List the documents you are enclosing. If none, do not include this section].
