Dispute Letter Format to Credit Reporting Agency in the US

You should lodge a written complaint letter to dispute the inaccurate information in your credit report, as a correct report will be very helpful when you are applying for a loan or anything else based on that credit report.

You can file a dispute letter online or offline with both the credit reporting bureau and the (furnishing) company that reported inaccurate information about you and your account.

You can find information about disputing inaccurate information at consumerfinance.gov .

TEMPLATE

(Name of the person)

Date of birth: _______

(House address)

Mob. _________

Date: __________

(Name of the Credit reporting bureau)

(Office address)

Tel. _________

Sir/Madam,

I am writing to dispute certain information that appears on my credit report bearing number ______ dated _________.

Dispute #1

i) Source: (Name of the Financial Institution, Address).

ii) Account number: _________.

iii) Type of dispute: ___________.

iv) Relevant dates: ________.

v) Explanation: ______________________. (E.g. I have made the payment for an amount of ________ for the month of ______. But, the report shows, it is unpaid.)

Dispute #2

i) Source: (Name of the Financial Institution, Address).

ii) Account number: _________.

iii) Type of dispute: ___________.

iv) Relevant dates: ________.

v) Explanation: ______________________. (E.g. This account does not belong to me. I have never applied for such a loan/service.)

I have attached a copy of my report with the accounts in question highlighted in yellow marks. 

I kindly request you to investigate the aforesaid information, and have it corrected as soon as possible. I shall be grateful.

Thank you for your cooperation.

Sincerely,

(Name of the Person)