Free Dispute Letter Templates by Problem (Copy, Customize, Mail)

[Your full name]
[Street address, City, State ZIP]
[Date]

[Bureau name and dispute address — see creditkaren.ai/learn/credit-bureau-contact-information]

Re: Dispute of inaccurate information — [Creditor name], account ending [last 4 digits]

To whom it may concern:

I am disputing a medical collection reported by [collection agency] for $[amount]. This entry is inaccurate because [choose: it was paid on (date) / it was covered by insurance, see enclosed EOB / it is not my debt / the balance is wrong]. Paid medical collections and medical collections under $500 should not appear on my report under the bureaus' own stated policies.

Under 15 U.S.C. § 1681i, please conduct a reasonable reinvestigation and correct or delete this information, then send me the results in writing. Enclosed are a copy of my ID, proof of address, and supporting documents.

Sincerely,
[Signature]
[Printed name]

[Your full name]
[Street address, City, State ZIP]
[Date]

[Bureau name and dispute address — see creditkaren.ai/learn/credit-bureau-contact-information]

Re: Dispute of inaccurate information — [Creditor name], account ending [last 4 digits]

To whom it may concern:

My report shows a [30/60/90]-day late payment for [month/year] on this account. This is inaccurate: I paid on [date] as shown by the enclosed [bank statement / payment confirmation]. [Or: the account was in a forbearance / autopay error acknowledged by the creditor on (date).]

Under 15 U.S.C. § 1681i, please conduct a reasonable reinvestigation and correct or delete this information, then send me the results in writing. Enclosed are a copy of my ID, proof of address, and supporting documents.

Sincerely,
[Signature]
[Printed name]

[Your full name]
[Street address, City, State ZIP]
[Date]

[Bureau name and dispute address — see creditkaren.ai/learn/credit-bureau-contact-information]

Re: Dispute of inaccurate information — [Creditor name], account ending [last 4 digits]

To whom it may concern:

I am disputing a collection account reported by [collection agency] for $[amount]. [Choose: I do not recognize this debt / the original creditor or balance is wrong / the date of first delinquency is wrong / this debt is older than seven years and should no longer be reported / I requested validation on (date) and received none.]

Under 15 U.S.C. § 1681i, please conduct a reasonable reinvestigation and correct or delete this information, then send me the results in writing. Enclosed are a copy of my ID, proof of address, and supporting documents.

Sincerely,
[Signature]
[Printed name]

[Your full name]
[Street address, City, State ZIP]
[Date]

[Bureau name and dispute address — see creditkaren.ai/learn/credit-bureau-contact-information]

Re: Dispute of inaccurate information — [Creditor name], account ending [last 4 digits]

To whom it may concern:

I am a victim of identity theft. The account listed above was opened without my knowledge or permission. Enclosed is my FTC Identity Theft Report (report number [number]), proof of identity, and proof of address. Under 15 U.S.C. § 1681c-2, please block this information from my file within four business days and notify the furnisher.

Under 15 U.S.C. § 1681i, please conduct a reasonable reinvestigation and correct or delete this information, then send me the results in writing. Enclosed are a copy of my ID, proof of address, and supporting documents.

Sincerely,
[Signature]
[Printed name]

[Your full name]
[Street address, City, State ZIP]
[Date]

[Bureau name and dispute address — see creditkaren.ai/learn/credit-bureau-contact-information]

Re: Dispute of inaccurate information — [Creditor name], account ending [last 4 digits]

To whom it may concern:

The same debt appears more than once on my report: [Account A — creditor, account ending, balance] and [Account B — creditor, account ending, balance]. Reporting one debt twice overstates what I owe. Please delete the duplicate entry and ensure only one accurate tradeline remains (the original creditor should show a $0 balance if the debt was sold).

Under 15 U.S.C. § 1681i, please conduct a reasonable reinvestigation and correct or delete this information, then send me the results in writing. Enclosed are a copy of my ID, proof of address, and supporting documents.

Sincerely,
[Signature]
[Printed name]