Dispute Letter Generator

Fill in the details below and instantly generate a personalized credit dispute letter you can send to the bureaus. Free, private, and made in your browser — nothing is stored.

Your details

Full name

Street address

City, State ZIP

Credit bureau

Creditor / furnisher name

Account number (partial)

What is inaccurate?

Requested action

Your letter

[Your Full Name]
[Your Street Address]
[City, State ZIP]

[Date]

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Re: Dispute of Inaccurate Credit Report Information

To Whom It May Concern:

I am writing to dispute the following information in my credit file. I have identified the item below and request that it be investigated and corrected under the Fair Credit Reporting Act (FCRA §611).

Creditor / furnisher: [Creditor Name]
Account number: [Account Number]
What is inaccurate: [Describe what is inaccurate on your report]
Requested action: Delete the inaccurate item

This information is inaccurate, and I am requesting that you conduct a reasonable investigation, correct or delete the disputed item, and provide me with written confirmation of the results along with an updated copy of my credit report if changes are made. If you forward this dispute to the furnisher, please instruct them to review all relevant records.

Enclosed are copies (not originals) of documents supporting my identity and my dispute.

Sincerely,

______________________________
[Your Full Name]

Send your letter by certified mail with return receipt, and always enclose copies — never originals. Only dispute information you believe is genuinely inaccurate.

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