My Credit Report Has Errors

If you've ordered a copy of your credit report and found the report contains errors or information that is outdated or doesn't belong to you, contact our offices on how to proceed, or send a dispute letter to the Credit Reporting Agency(CRA), on your own. A separate form should have been sent with your report, for disputing errors or mistakes. A unique number is on this form, specifically used for tracking and follow up by the CRA.

If you do not have the form, you can use a copy of the letter below. Handwrite or type the letter and keep a copy of each letter you send. In compliance with the Fair Credit Reporting Act, the CRA's have 30 days to look into your complaint and act on it, and must show in your report that an item is being disputed or is under investigation.

Sample Dispute Letter

Date

Your name
Your address
Your city, state, zip code

Name of CRA [Equifax, Experian, Trans Union]
Address
City, state, zip code

Dear Sir or Madam:

After reviewing my credit report, I am writing to dispute the following inaccurate information. I am listing each item along with the way it should be corrected:

[Account name] [Account number] [How it should report / Why it’s inaccurate*]

Supporting documents have been enclosed. Pursuant to the FCRA, please forward them to the credit furnishers. If you are not going to forward them, please inform me so I may do so myself.

Sincerely,

(sign here)

Your name
Your Social Security Number
Your Date of Birth

Enclosures: (list what you are enclosing – examples: police report, fraud affidavit, proof of payment, etc)

*Note: The more detailed and specific information you can give to describe the reason it’s inaccurate, the better. You should also list any/all inaccurate personal information and inquiries.

You may send a dispute letter to each CRA from whom you have ordered, received, and reviewed, a copy of your report if you think there are errors or wrong information. The addresses for dispute letters to the big 3 CRA's are:

Sample Dispute Letter

TransUnion LLC

Equifax Information Services, LLC

Experian