If
you've ordered a
copy of your
credit report
and found the
report contains
errors or
information that
is outdated or
doesn't belong
to you, contact
my office on how
to proceed, or
send a dispute
letter to the
Credit Reporting
Agency(CRA), on
your own. A
separate form
should have been
sent with your
report, for
disputing errors
or mistakes. A
unique number is
on this form,
specifically
used for
tracking and
follow up by the
CRA.
If you do not
have the form,
you can use a
copy of the
letter below.
Handwrite or
type the letter
and send it to
the CRA by
certified mail
along with any
supporting
evidence, if you
have it.
Keep a copy of
each letter you
send. In
compliance with
the Fair Credit
Reporting Act,
the CRA's have
30 days to look
into your
complaint and
act on it, and
must show in
your report that
an item is being
disputed or is
under
investigation.
They can decline
your request
only if they
decide that it
is frivolous,
and the agency
must notify you
of this
decision.
The agency must
also notify you
within five days
of completing
the
investigation
and must include
a copy of your
credit report if
it has been
revised. If the
agency does fix
the error, order
another report
in a few months
to make sure the
error stays
fixed.
Sample Dispute
Letter
Your name
Your address
Your city,
state, zip
code
Date
Name of
Credit
Report
Agency (Transunion,
Equifax,
Experian)
Attn:
Complaint
Department
Address
City, State,
Zip Code
Dear Sir or
Madam:
After
reviewing my
credit
report, I am
writing to
dispute the
following
information.
I have
circled the
disputed
items on my
attached
report.
These
include
(list item(s)
disputed by
name of
source, such
as
creditors,
and identify
type of
item, such
as credit
account,
judgment,
etc.)
This item(s)
is(are)
inaccurate
because
(list
exactly why
each item is
incorrect or
incomplete).
Supporting
documents
have been
enclosed.
Pursuant to
the FCRA,
please
forward them
to the
credit
furnishers.
If you are
not going to
forward
them, please
inform me so
I may do so
myself.
Sincerely,
Your name
Enclosures
(list what
you are
enclosing)
You may send a
dispute letter
to each CRA from
whom you have
ordered,
received, and
reviewed, a copy
of your report
if you think
there are errors
or wrong
information. The
addresses for
dispute letters
to the big 3
CRA's are:
TransUnion LLC
P.O. Box 2000
Chester, PA
19022-2000
(800) 916-8800
Equifax
Information
Services, LLC
P.O. Box 740256
Atlanta, GA
30374
(888) 873-5420
Experian
NCAC
701 Experian
Parkway
Allen, TX 75013
(800) 583-4080
