609 Letters

Writing your first dispute letter (Example)

Website: 

Date:

 Your Name

 Your Address

 Your City, State, Zip

Collection Agency Name 

Collection Agency Address

Collection Agency City, State, Zip

 Account # (Fill in Account Number)

 Dear Credit Bureaus: (Equifax, Transunion, Experian)

Collection Agency Name 

Collection Agency Address

Collection Agency City, State, Zip

Subject: Disputing Information in Credit Report [ Add proof of your identity, copy of driver license, proof of residence, social security card, phone bill with the credit report]

I am writing to dispute the following information in my file.

This item [for instance: retailer account  Department Stores etc.] is inaccurate [or incomplete] because [describe in detail what is inaccurate or incomplete and why]. I am requesting that this item be removed [or request another specific change to correct the information].

[List and describe any other items you are disputing.]

Enclosed is documentation supporting my request: [describe the documents you’re sending, for instance: my credit report, with the disputed items circled.]

Please investigate this matter and delete [or correct] the disputed item[s] as soon as possible.

Your Signature

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