Credit Report Dispute Letter Template (FCRA) – Free
Use this free credit report dispute letter (United States): fill it in online, download it as Word or PDF, and follow our step-by-step guide – where to send it, whether it needs notarizing, what to attach and mistakes to avoid.
| Country | 🇺🇸 United States |
|---|---|
| Document type | Consumer & contracts |
| Format | Word, PDF & fill in online |
| Cost | Free |
| Time to complete | about 5 minutes |
| Notarization | Not required |
What is this letter for?
The Fair Credit Reporting Act lets you dispute inaccurate information on your credit report. The bureau generally must investigate within 30 days and correct or delete information it cannot verify.
Where do you send it?
Mail it to the credit bureau's dispute address (Equifax, Experian or TransUnion) and, ideally, to the creditor.
Does it need to be notarized?
Not required. No notarization is needed: sign the letter by hand (or electronically if accepted) and keep proof of when you sent it.
What you need before you start
- Copy of your credit report with errors circled
- Proof (statements, letters)
- Your ID and proof of address
How to use this template
- Click each yellow field inside the letter and type your details directly (Enter jumps to the next field).
- Read the text through; the “Edit” button lets you change any sentence.
- Click “Word”, “PDF” or “Copy”, then sign and send.
Free template : credit report dispute letter
Your full name
Street address
City, State ZIP
Phone | Email
Date
Equifax / Experian / TransUnion
Bureau dispute address
Re: Dispute of inaccurate information
Dear Sir or Madam,
I am writing to dispute the following information in my credit report. The items I dispute are circled on the attached copy of my report.
Item: creditor name and account number. This information is inaccurate because reason – e.g. not my account, paid in full, wrong late payment.
I request that the item be removed / corrected. Enclosed are copies of supporting documents.
Please investigate and send me the results and an updated copy of my report.
Sincerely,
Your full name
⚠️ Disclaimer: this template is for general guidance only and is not legal advice. Always check the requirements of the organization you are writing to before sending it.
Common mistakes to avoid
- ❌ Sending original documents.
- ❌ Disputing everything at once without proof.
- ❌ Not using certified mail.
Tips before you send it
- Send by certified mail, return receipt requested.
- Send copies, never originals.
- Dispute with the creditor too.
Frequently asked questions
How long does a dispute take?
Usually up to 30 days (45 in some cases).
Is it free to dispute?
Yes, disputes with the credit bureaus are free.
Where do I send this letter (credit report dispute letter)?
Mail it to the credit bureau's dispute address (Equifax, Experian or TransUnion) and, ideally, to the creditor.
Does this letter (credit report dispute letter) need to be notarized?
Not required – No notarization is needed: sign the letter by hand (or electronically if accepted) and keep proof of when you sent it.