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Consumer F
inancial
Protection Bureau
Learn more at consumernance.gov 1 of 3
SAMPLE LETTER
Credit report dispute
This guide provides information
and tools you can use if you believe
that your credit report contains
information that is inaccurate or
incomplete, and you would like to
submit a dispute of that information
to the credit reporting company.
It is important to dispute inaccurate information
with both the credit reporting company that
created the report and the company that rst
reported the inaccurate information, often
called the furnishing company. While this packet
provides information about disputing inaccurate
information with a credit reporting company, you
can nd information about disputing inaccurate
information with a furnishing company at http://
les.consumernance.gov/f/documents/092016_
cfpb_FurnisherSampleLetter.pdf.
Background
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
identication 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 conrmation from
the consumer reporting company.
Online and phone disputes
EQUIFAX
Online: www.ai.equifax.com/CreditInvestigation
By phone: Phone number provided on credit report
or (800) 864-2978
EXPERIAN
Online: www.experian.com/disputes/main.html
By phone: Phone number provided on credit report
or (888) 397-3742
TRANSUNION
Online: www.transunion.com/personal-credit/
credit-disputes-alerts-freezes.page
By phone: (800) 916-8800
Disputes by mail:
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 specic 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.