Credit Report Disputes

People often call our offices for help cleaning up their credit reports.  We suggest they use this letter, provided courtesy of the Consumer Credit Counseling Service of Orange County.

We advise sending the letter to all three bureaus (Equifax, TransUnion, and Experian), by certified mail, return receipt requested, and including their SSN and full legal name in the re: line.

Sample Credit Report Dispute Letter

Today’s Date

Name of Credit Bureau
Mailing Address of Credit Bureau
City, State, Zip

Attention: Consumer Relations

I recently obtained a copy of my credit report from your service and have found the
following items to be in error.

EXAMPLES

Item #1: I dispute ABC National Bank account #12345. I have never been late on
this account.

Item #2: I dispute ABC Financial Services account #4545. This account was not a
charge-off, please delete.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you
re-investigate those items indicated, and promptly delete any unverifiable, inaccurate,
or outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted
along with the name, address, and telephone number of anyone contacted for
information. Furthermore, if there is a change in my credit history resulting
from your investigation, I am requesting that an updated report be sent to those
who received my report, within the last two years for employment purposes, or
within the last one year for any other purpose.

My full name is:_______________________________________________________

My Social Security # is:_________________________________________________

My date of birth is:_____________________________________________________

My home phone number is:______________________________________________

My address is:__________________________ (Ave., St., etc.) APT:____________

City: ______________________________ State:_______ Zip Code:_____________

Please send me an updated copy of my report, and notification that items have been
deleted. I will consider 30 days a reasonable time for your re-verification of
these items.

Thank you for your prompt attention in this matter.

Sincerely,
Signature: ______________________________

This information is general and thus incomplete, and the reader should seek legal counsel for specific legal problems or questions.