How to Craft a Winning Dispute Letter

October 5th, 2016 by admin

Credit Report Errors can devastate and cost you big time!

Credit report errors can lower your credit score. A low credit score can result in higher interest rates on your credit card bills, home mortgage, and student loans, denial of loan and credit offers, and affect your U.S. government clearance.

Background check errors can result in your job application being denied. Errors in a background check can appear from background check companies not taking the time to thoroughly search your social security number, but instead they use your name and date of birth, leading to confusion with someone else who has the same name and date of birth.

How do I dispute credit report or background report errors?

Under the Fair Credit Reporting Act, credit reporting agencies (CRAs) must make sure that all information they report is accurate. You have the right to dispute background check errors and credit report errors and sue credit reporting agencies for errors. The best way to dispute credit report errors and background check errors is to do it in writing. You can use our sample credit report dispute letter as a template for your own letter. Or use our dispute letter creator. Remember to save a copy of every letter you send. The Fair Credit Reporting Act gives CRAs 30 days to look into your complaint and act on it.

If you need to dispute information on your credit report from one of the three major credit bureaus, Equifax, Experian, or TransUnion, you can send your letter to one of the addresses below:

P.O. Box 740241
Atlanta, GA 30374

701 Experian Parkway
Allen, TX 75013

P.O. Box 2000
Chester, PA 19022

View our list of credit reporting agencies for more information on agencies other than the big 3 credit bureaus. This list includes names of CRAs and their contact information.

What if this doesn’t work?

If you have tried to dispute background check errors and credit report errors and still see the mistakes on your reports, you have the right to sue and may be entitled to money damages. Contact the consumer protection law firm of Francis & Mailman. Our attorneys are ready to fight for you and dispute background check errors and credit report errors. Get your free case review online now or call 1-877-735-8600.

4 Responses

  1. Dave Roberg jr says:

    I have a dispute with umpqua bank on my credit report for a $42,000 loan that has been on my credit for some years now, not knowing it because I have always done soft credit checks, never seen this or got a letter from the bank or any red flags. So needless to say my loans, creditors and finance rates have been through the roof. But the last handful of years, I finally got in contact with the bank and they say it’s not their fault I should’ve contacted them sooner.
    But I do know I have never personally done a hard credit check for myself just soft credit checks.
    They have my fathers bad credit on my credit score, yes I’m a JR he’s a Senior. At the bank they said on the account I had my father’s Social and not My Social but it got on my credit account. They said they have no idea how it did but it did for the last handful of years.
    If that’s not negligence I don’t know what is because I had my father’s address and Social on there, but yet still on my credit. I spoke to one of the directors at I’m qua bank and they still told me that it was my fault that I should’ve got to them sooner.
    When I didn’t even know it was on my credit, I feel on their part with the negligence and having my father Social on a report but on my credit, I deserve some kind of compensation and they said they would get back to me and investigate the situation but still it’s not their fault.
    Does anyone have any info here to think I have a case for negligence. Please get back to me I would appreciate it.

  2. Sharon A West says:

    Dear Sir or Mam,
    I have two issues on my credit report. The first is there is a name on my report that is not and never has been mine. I have disputed it but it is still there. I have not receiver any information on this name. Address, any accounts that may have been set up under this name that may be affecting my credit. Not given any answers as to why it is there or why it has not been removed.
    Second: FingerHut/Webbank is reporting a 700.00 ballance that I do not owe. I ordered an Ipad for my husband for Christmas. The Delivery people left it laying on the floor of my deck. When I got home the dog had just gotten hold of it. package not badly damaged. Talked to Fingerhut about sending it back early in january of 2017. Delivery company picked it up and marked it return to sender. I was told by fingerhut rep. that I talked to that it may take up to 28 days for it to be received and a refund applied to my account and that there would be no invoices sent on my account. To date I have received two invoices. current one received 02/22/2017. Now there are late charges applied and it has pulled my credit score way down. I have spoken withe fingerhut three times about this. Each time I have been informed that Yes the package had been received and my account had been noted.Yet I have invoices that show they have taken no steps to correct this. The last time I talked to them I was told that it was noted on my account that I was not to be billed for this and that it would be taken care of within three days. I firmly but calmly informed them that if it was not and if there was any damage done to my credit I would be contacting an attorney. That was a week ago. Do I have a case against FingerHut/WebBank? I have been working hard to get my score up in order to purchase a home..Now I can’t even think about it.

    Your Opinion on how to proceed would be greatly appreciated.

    Sharon A. West
    455 River Hill Lane
    Adger, Alabama 35006

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