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Posted on 7 December 2019 | 4,809 views

Sample Credit Letter for Inaccurately Reported Items After Investigation Request

It’s very common for credit reports to contain errors. Anything from inaccurate late payments to accounts that aren’t yours or maybe even a falsely reported bankruptcy could mistakenly end up on your credit report. Because so many businesses use your credit report to make decisions about you. It’s important that your credit report is accurate.

Federal law gives you the right to an accurate credit report. Credit bureaus aren’t allowed to report anything that’s inaccurate, incomplete, or unverifiable. Thanks to that provision in the Fair Credit Reporting Act, you have the right to dispute errors to have them removed from your credit report.

While disputing credit report errors online is convenient, there are some drawbacks. When you dispute online, you can only get the results of your dispute online. If you dispute online, you can also check the status of your dispute online by providing your confirmation number, but you can only get the results online, not by mail. And you’ll still have to mail in any documentation or proof that supports your dispute.

Making a credit report dispute by mail takes more time, but gives you the paper trail you’d need if the credit bureau doesn’t respond in a timely manner. Credit bureaus have 30 days to investigate and respond to your credit report dispute, or 45 days if you send additional proof during the investigation period. If they don’t respond in that time frame, you have the right to sue in Federal court for up to $1,000.

When you dispute via mail, you should write a letter explaining the information that should be removed and include the reason that detail is inaccurate. Also include proof of the error if you have it. Send the letter via certified mail with return receipt requested so you have proof of when you made the dispute and when the creditor receives it. Make sure you keep track of the time that’s passed.

The credit bureau may respond to your dispute by immediately deleting the information you’ve disputed. However, they have the right to reinsert previously deleted items if those items are later verified. The credit bureau has to notify you, in writing, that the item has been put back on your credit report.

The credit bureau has 30 days to investigate your dispute and respond to you, in writing, with the results of the investigation. Any data you provided about the inaccuracy of the information will be forwarded to the original information provider. The information provider is then required to investigate and respond back to the credit bureau.

Once the investigation is complete, the credit bureau will provide you with the results, along with a free copy of your credit report if the dispute resulted in a change. You can request that the credit bureau send a correction notice to any company that accessed your credit report within the past six months.

If there is inaccurate information in one credit bureau’s version of your credit report, it’s likely that the information will be inaccurate on the other two bureaus’ reports as well. You should check all three credit reports to be sure that the information in each is complete and accurate.

Some things are easier to remove from your credit report than others because these items are easier to verify and less likely to be erroneous. Items that are a matter of public record are more difficult to remove. This includes bankruptcy, foreclosure, repossession, lawsuit judgments, and loan default (especially student loan default). Sometimes it’s hard to get these removed even when they’re legitimately inaccurate.

If you have inaccurate public records on your credit report, try to work directly with the court or agency that has the item listed on your credit report. Once they’ve updated their records to show what’s accurate, it will be much easier to work with the credit bureau to clear up your credit report. Creditors and other businesses that report to the credit bureaus have the same obligation to investigate and clear up credit report errors. So, if the credit bureau is being stubborn, go straight to the source and dispute with the creditor.

Your Name
Your Street Address
Your City, State ZIP Code

Credit Bureau Name
Their Street Address
Their City, State ZIP Code


Dear Credit Bureau,

I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Creditor/Subscriber Name
Account #

Reason Item is Incorrect:

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-508, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.


Your Signature

Your Name
SSN# xxx-xx-xxxx

Sample Credit Letter for Inaccurately Reported Items After Investigation Request

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One Comment »

  • Avrillo said:

    This article is about Sample Credit Letter for Inaccurately Reported Items After Investigation Request.

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