Credit Dispute Letter Generator

Fill in the details below and your FCRA dispute letter builds itself on the right. When it looks good, download it as a PDF or copy the text. Everything stays in your browser — nothing is uploaded or saved.

Tip: Send one letter per bureau that shows the error, and mail it via USPS Certified Mail with Return Receipt so you have proof of the date. Enclose copies (never originals) of any supporting documents.

1. Which bureau are you disputing with?

Equifax Experian TransUnion

Not sure which one? Check the report that shows the error. Each bureau is a separate company and must be disputed individually.

2. Your information

Full legal name

Street address

City

State

ZIP code

Last 4 of SSN (optional) Helps the bureau match your file. Stays in your browser.

Date of birth (optional)

3. The error you're disputing

Creditor / account name

Account number A partial number is fine.

Type of error

Explain what's wrong and what it should say Be specific and factual. State what is wrong and what the correct information is.

Your Letter

Print this, sign it by hand, and mail it. Keep a copy for your records.

What Happens After You Mail It?

Once the credit bureau receives your dispute, the FCRA gives it generally 30 days (up to 45 in some cases) to investigate. The bureau forwards your dispute to the furnisher, reviews the response, and must send you the written results plus a free updated copy of your report if anything changed.

If the item is corrected or deleted — great. If the bureau verifies the item but you still disagree, you can add a 100-word statement of dispute to your file, escalate a complaint to the CFPB, or consult a consumer-protection attorney. Keep every letter, receipt, and response.