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How to Write a Letter to Dispute Credit Report Errors

Brian September 12, 2018

Have you ever wanted to know how to write a letter to dispute credit report errors? Below is a sample dispute letter that can be used to dispute credit report errors. Disputing Experian errors, TransUnion errors, and Equifax errors starts with contacting the appropriate credit bureau.

Your dispute letter should clearly A) identify every item in your credit report you want to dispute, B) state the facts and why you dispute the information and C) request that the error(s) be removed or corrected. It may also be helpful if you enclose a copy of your credit report with the disputed items in question circled.


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Always send your credit bureau dispute letter by certified mail, “return receipt requested,” so you can document when the credit reporting company received your letter. Make sure you include copies of the applicable enclosures and save copies for your files – you may need to reference those copies at a later date.

Your Name
Your Address
Your City, State Zip Code

Complaint Department
[Company Name]
[Street Address]
[City, State Zip]

Dear Sir or Madam: I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

The item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be removed [or request another specific change] to correct the information.

Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents] supporting my position. Please reinvestigate this [these] matter[s] and [delete or correct] the disputed item[s] as soon as possible.


Your Name

Enclosures: [List what you are enclosing.]


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