Sample Dispute Letters

[Your Name]
[Your Address]
[City, State ZIP]
[Your Phone Number]
[Your Email]

[Date]

[Credit Bureau Name]
[Bureau Address]

Re: Dispute of Inaccurate Information
    SSN: XXX-XX-[Last 4]
    Date of Birth: [Your DOB]

To Whom It May Concern:

I am writing pursuant to the Fair Credit Reporting Act, 15 U.S.C. § 1681i, to dispute inaccurate information appearing on my credit report.

The following item(s) are inaccurate:

Account Name: [Creditor Name]
Account Number: [Account Number]
Reason for Dispute: [Explain why this is inaccurate — e.g., "This account was opened through identity theft. I did not open this account and have never had a relationship with this creditor."]

I am enclosing copies of the following documents supporting my dispute:
• [List supporting documents — e.g., FTC Identity Theft Report, police report, ID, proof of address]

Please investigate this matter, correct the inaccurate information, and send me an updated copy of my credit report reflecting the corrections.

Pursuant to 15 U.S.C. § 1681i(a)(1)(A), you must complete your investigation within 30 days of receiving this dispute.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: [List]

[Your Name]
[Your Address]
[City, State ZIP]
[Your Phone Number]
[Your Email]

[Date]

[Furnisher Name]
[Furnisher Address]

Re: Direct Dispute of Inaccurate Information
    Account Number: [Account Number]
    SSN: XXX-XX-[Last 4]

To Whom It May Concern:

I am writing pursuant to the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(a)(8), to dispute inaccurate information you are furnishing to consumer reporting agencies.

Account Details:
Account Number: [Account Number]
Reported Balance: [If applicable]
Reported Status: [If applicable]

Nature of Dispute:
[Explain specifically what is inaccurate — e.g., "This account was opened through identity theft. I did not authorize this account, I have never used this account, and I am not responsible for this debt."]

I have previously disputed this information with [Equifax/Experian/TransUnion], and the information was reported as "verified." However, the information is demonstrably false.

I am enclosing the following documentation:
• [List supporting documents]

Pursuant to the FCRA, you must conduct a reasonable investigation of this dispute and correct any inaccurate information you are reporting to the credit bureaus. If you determine the information is inaccurate or cannot be verified, you must notify each consumer reporting agency to which you furnished the inaccurate information.

Please respond to this dispute within 30 days as required by law.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: [List]

[Your Name]
[Your Address]
[City, State ZIP]
[Your Phone Number]
[Your Email]

[Date]

[Credit Bureau Name]
[Bureau Address]

Re: Identity Theft — Request to Block Fraudulent Information
    SSN: XXX-XX-[Last 4]
    Date of Birth: [Your DOB]
    FTC Identity Theft Report Number: [Report Number]

To Whom It May Concern:

I am a victim of identity theft. I am writing pursuant to the Fair Credit Reporting Act, 15 U.S.C. § 1681c-2, to request that you block the following fraudulent information from my credit report.

Fraudulent Account(s):
1. Creditor: [Name]
   Account Number: [Number]
   Date Opened: [Date]
   
[Add additional accounts as needed]

I am enclosing the following required documentation:
• FTC Identity Theft Report (Report Number: [Number])
• Copy of government-issued photo ID
• Proof of address (utility bill dated [Date])
• Copy of my credit report with fraudulent items highlighted

I did not open these account(s), I did not authorize anyone to open these account(s), and I have received no benefit from these account(s).

Pursuant to 15 U.S.C. § 1681c-2(a), you must block this information within four business days of receiving this request with the required documentation.

Please send written confirmation of the block to my address above.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures:
1. FTC Identity Theft Report
2. Copy of driver's license/ID
3. Utility bill showing current address
4. Credit report with fraudulent items marked