Dispute Letter to a Credit Bureau
This sample letter will help you dispute inaccurate information on your credit report.
The text in [backets] indicates where you must customize the letter.
[Your City, State, Zip Code]
(Write to each relevant credit reporting agency, one at a time:)
P.O. Box 105069
Atlanta, GA 30348-5069
P.O. Box 9554
Allen, TX 75013
Fraud Victim Assistance Department
P.O. Box 2000
Chester, PA 19022-2000
[RE: Your Account Number (if known)]
Dear Sir or Madam:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.
[This/These] item(s) [identify item(s) disputed by name of the source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] [is/are] [inaccurate or incomplete] because [describe what is inaccurate or incomplete about each item, and why]. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed [or request another specific change] to correct the information.
[If applicable: Enclosed are copies of [describe any enclosed documentation, such as payment records, court documents] supporting my position.] Please reinvestigate [this/these matter(s)] and [delete or correct] the disputed item(s) as soon as possible.
Enclosures: [List what you are enclosing]
- Proof of identity: [a copy of my driver’s license/other government-issued identification card/other]
- Copy of Credit Report
- Fair Credit Reporting Act Section 611 [PDF]