Example Credit Report Error Dispute Letters
The following are examples of credit dispute letters that have been sent for consumers. They are only examples – there is no “credit report dispute form” that is right for all occasions. Your credit error dispute letters should be tailored to your situation and provide information on why the credit error should be deleted or modified on your report.
Credit Report Error Dispute Letter to a Credit Reporting Bureau Regarding Collection Account
Joe Consumer
123 Street
City, WA 98000
December 1, 2015
Sent By Certified Mail No. 00000000000
Return Receipt Requested
Equifax
PO Box 105891
Atlanta GA 30348
Re: inaccurate credit report
Dear Equifax:
My social security number is 123 45 6789. I was born on July 1 1966. My address is listed above.
I dispute the listing by ABC Collections, Inc on my credit report for account 123456 for a supposed debt to Scamco, Inc. The account should be deleted. I enclosed a copy of my drivers license and a utility bill to show this is my address since I recently moved.
This listing is invalid for many reasons. First, I never agreed to the contract with Scamco and cancelled within the three day rescission period for door-to-door sales. Second, this account is over seven years old as I allegedly owed the debt when demand was made over seven years ago. I enclosed a copy of the original demand from over seven years ago.
I request a description of the procedure used to determine the accuracy and completeness of the information including the name, business address, and telephone number of any person contacted in connection with your investigation.
Joe Consumer
Enclosure:
Demand letter dated 2014
Drivers license
Utility bill
Credit Report Error Dispute Letter to a Credit Reporting Bureau Regarding Theft of Identity
Joe Consumer
123 Street
City, WA 98000
December 1, 2014
Sent By Certified Mail No. 00000000000
Return Receipt Requested
Equifax
PO Box 105891
Atlanta GA 30348
Re: inaccurate credit report
Dear Equifax:
My social security number is 123 45 6789. I was born July 1 1966.
I contest the Big Credit Card account 123456789 you are reporting on my credit report as a charged off debt. I did not give permission to have the account opened and I did not know the account was opened in my identity. I am a victim of theft of identity. I contested this account with an affidavit of fraud (enclosed) and filed a police report (also enclosed). Please delete this account.
Please conduct the investigation and provide me with the results of the investigation, including the name, address and phone number of each person contacted in your investigation.
If you have any questions please do not hesitate to contact me. If you will not provide the paperwork I am sending you to Big Credit, please let me know so I can send them the paperwork directly. Please also inform any company that you provided my credit report to this account is not mine.
Joe Consumer
Enclosures:
Affidavit of Fraud
Police Report
Credit Error Dispute Letter to Collection Agency Regarding Fraud Related Check
Joe Consumer
123 Main Street
Any Town USA
Sent By Certified Mail No. 00000000000
Return Receipt Requested
December 1 2014
Collections USA
125 Main Street
Any Town USA
Re: collection account number 1234 on check number 567
Dear Collections USA:
I dispute the above referenced account you are attempting to collect. My roommate Joe Smith stole my checkbook and fraudulently wrote checks on my account. The above referenced account you are attempting to collect is one of those checks. I enclosed an affidavit of fraud and police report. Please conduct an investigation regarding this fraud and send me the results.
Please delete any entry you have made on my credit reports regarding this check. I am seeking credit and my application will likely be adversely affected by any entry you make.
Sincerely,
Joe Consumer
Enclosures:
Affidavit of Fraud
Police Report
Credit Report Error Dispute Regarding Reporting of Late Payments
John Jones
Alison Jones
18828 Ash Ave
Devilmaycare WA 98000
March 14 2015
Equifax
PO Box 740241
Atlanta GA 30374
Dear Equifax
My name is John Jones and my social security number is and my wife’s name is Alison Jones, social security number. We have been living at the above address for over 2 years.
We have had a lot of problems with a XYZ account no. 12340 that is reporting with false and very damaging information. We need it removed. It is reporting us late for 21 payments. This is false. They have had a lot of trouble determining when the payment is due and the papers we have are confusing to say the least. I have gone over this with various representatives at XYZ and they will not fix this mistake.
The records from XYZ are almost impossible to follow and it seems they are making up certain requirements. We received one notice we were late and called immediately. The representative agreed and removed the late fee. We were surprised in March 2014 to find XYZ was claiming subsequent payments not only were late, but had late fees. We never were sent any bill and the payments were made by automatic deduction. Again, no statement were late was sent and we weren’t late as best I can tell from the confusing, contradictory paperwork XYZ uses.
In your investigation please ask for the original paperwork showing the payment was late and on what day. Please also look over our credit reports and you will see we pay our bills on time and never had a problem paying all our other bills. If we were sent an account statement saying we were late it would have been our highest priority.
Regards,
John Jones
Alison Jones
