Credit Report Dispute Letter to Remove Inaccurate, Erroneous, Outdated, Misleading or Unverifiable Information
Any information that is inaccurate should be corrected so that potential creditors, employers, insurance companies and other organizations see an accurate picture of our credit profile when they request copies of our personal credit reports.
Consumers can have inaccurate information corrected by sending the credit reporting agencies (CRA) a written request outlining exactly what needs to be corrected. The easier you make it for CRAs to verify your dispute as legitimate, the quicker they will correct your credit profile, and in turn the quicker it improves your ratings.
Accurate and timely information cannot be removed from your personal credit reports! Use the free sample letter below only if you believe the information you are disputing is inaccurate! Use the example below to compose your own personal dispute letter.
Remember, when disputing information on credit reports it’s important to use specific words such as erroneous, outdated, misleading, or unverifiable. Just stating why you failed to pay the debt will not compel credit reporting agencies to launch an investigation into your dispute.
Your Street Address
Your City, State ZIP Code
Credit Bureau Name
Their Street Address
Their City, State ZIP Code
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible:
CREDITOR AGENCY, account xxx-xxxx-xxx
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Tags: CRA, Credit Profile, Credit Report, Credit Reporting Agencies, Dispute Letter, Erroneous Information, Misleading Information, Outdated Information, Remove Inaccurate Information, Unverifiable Information