Dispute Letter Template for Credit Reporting Errors

Person sitting down to write dispute letter for credit reporting errors.

The first step to correct credit reporting errors is to write a dispute letter. It is upsetting to learn that there has been a mistake made, or even worse, malicious fraud, using your personal information. Your credit report holds your financial information which is the basis of your credit score. So it’s especially important that you monitor it for accuracy. If you opt to mail in your dispute of an error, using our dispute letter template will start you on your way to ensure your financial records are remedied should you experience a mistake.

Who gets this letter?

Specificall, you should contact both the credit agency that is showing false information and any other party involved, such as a credit card company. You can also use our templated letter for creditors and lenders as well.


Example Dispute Letter to Credit Agency

Your Name
City, State and Zip Code

Consumer Dispute Department
Name of Credit Agency/Credit Card Company
City, State
and Zip Code

Account #:
<if applicable>

Dear Sir or Madam,

I am writing to dispute the following information in my file as being <incorrect or incomplete>:

<Item 1: Details>
<Item 2: Details>

The item(s) I am disputing are also marked on the enclosed copy of the credit report.

The item(s) are <inaccurate or incomplete> because <describe what is wrong and provide supporting information as to what is correct information>. I am requesting a correction to the information by <deletion or change>.

Please find the enclosed copies of <specify documentation> supporting this request. Please investigate this matter and <delete or change> the disputed item(s) as soon as possible.

I look forward to hearing from you.


Your Name

Enclosures: <List of the documentation you are including with your letter.>


TIP: Send certified mail and return receipt. Include a couple of copies of photo IDs to help identify you.

Picture of certified mail for credit reporting dispute letter.


Credit Agency Contact Info


Phone: Not available*

Online:  Equifax Disputes

Mail: Not available*

* All disputes with Equifax are handled online.


Phone: 1-888-EXPERIAN (1-888-397-3742)

Online:  Experian Disputes

Experian Consumer Dispute Center
P.O. Box 4500
Allen, TX 75013


Phone:  1-800-916-8800

Online: TransUnion Disputes

TransUnion LLC Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

Happy woman looking at her credit report after filing a dispute.

Best of luck in the disputing process and getting your credit back on track. It can be stressful if you are working to correct an error that you know is negatively affecting your credit score. It is important to know that you have a right to dispute incomplete or inaccurate information. Both the credit agency and the creditor or lender (also known as the furnisher of the information) are legally bound to consider your dispute. We hope our templated letter will assist you in making disputing something easier.