A Free Resource Sponsored By The Tariq Law firm, PLLc
Call Us Today! (516) 900-4529 info@fixcreditreportproblems.com Free Case Review

The Fair Credit Reporting Act requires that you request “reinvestigation” of disputed items before suing an entity that has provided an inaccuracy to a credit reporting agency. This is a “last chance” letter, giving both the credit furnishers and the credit reporting agencies the ability to fix the problem.

Writing a Dispute Letter to Credit Reporting Agencies

It is important to dispute inaccurate information with both the credit reporting company that created the report and the company that first reported the inaccurate information, often called the furnishing company

See files: click here.

How to Submit your Dispute Letter

You can contact the nationwide credit reporting companies online, by mail, or by phone. When disputing, refer to your credit report so that you can correctly and fully identify the information that you are disputing. Your report contains a consumer identification or report number that should be included with your dispute to allow the credit reporting company to identify you. There is no charge for submitting a dispute. Ensure the error has been removed by requesting confirmation from the consumer reporting company.

 

Online and phone disputes

EQUIFAX Online: ai.equifax.com/CreditInvestigation 

By phone: Phone number provided on credit report or (800) 864-2978

EXPERIAN Online: experian.com/disputes/main.html 

By phone: Phone number provided on credit report or (888) 397-3742 

TRANSUNION Online: dispute.transunion.com/dp/dispute/ landingPage.jsp 

By phone: (800) 916-8800 

 

Disputes by mail: 

Writing a Dispute Letter to Credit Reporting Agencies

You can download each company’s dispute form or use the letter included in this guide, which provides the credit reporting company with enough information to identify you and the specific accounts or tradelines that you are disputing. To make it easier to identify the items that you are disputing, consider including a copy of your credit report with these items marked or circled. You may also wish to include copies of any supporting documentation, such as a statement from your lender, which demonstrates the incorrect information you are disputing. 

How to use the template: 

  1. In the sample letter, fill in your personal information. Edit the information in [brackets] to address the specific inaccuracies that you are disputing. Note that requirements may vary by company, so it’s always good to double check with each company to ensure you are providing all of the information they require.
  2. List each item on your report that you believe is inaccurate, the account number and the specific reason you feel the information is incorrect. 
  3. Print and mail the letter along with one copy of a government issued identification card, (such as a driver’s license or state ID card, etc.), and one copy of a utility bill, bank or insurance statement, etc. You can find the address for the three nationwide credit reporting companies below: 

 

EQUIFAX 

Download the dispute form at files. consumerfinance.gov/f/documents/092016_cfpb_ CreditReportingDisputeLetter.docx.

Mail the dispute form with your letter to: 

Equifax Information Services LLC

P.O. Box 740256

Atlanta, GA 30374

EXPERIAN 

Download the dispute form at files. consumerfinance.gov/f/documents/092016_cfpb_ CreditReportingDisputeLetter.docx. 

Use the address provided on your credit report or mail your letter to: 

Experian 

P.O. Box 4500 

Allen, TX 75013

TRANSUNION 

Download the dispute form at files. consumerfinance.gov/f/documents/092016_cfpb_ CreditReportingDisputeLetter.docx. 

Mail the dispute form with your letter to: 

TransUnion LLC Consumer Dispute Center 

P.O. Box 2000, 

Chester, PA 19016 

4. You may consider “return receipt requested,” for proof that the credit reporting company received it. Keep a copy of the letter for your records. If you send any information with the letter, send copies and keep your originals.

If you need help with these or other consumer rights issues, give us a call at (718) 674-1245  or use our contact form here.

We Know You Better!
Subscribe To Our Newsletter
& GET A FREE E-BOOK about how to fix credit reporting errors
Yes I Want the FREE E-Book!
No Thanks!
close-link