Credit Report Dispute Letter (FCRA)

This Credit Report Dispute Letter is designed for consumers seeking to correct or remove inaccurate, outdated, or fraudulent information from their credit report. Compliant with the Fair Credit Reporting Act (FCRA), the template provides a structured, credible way to request a formal reinvestigation from major credit bureaus such as Equifax, Experian, or TransUnion.

Features include:

• Space to identify the disputed creditor, account, and issue

• Clear request for reinvestigation and correction or deletion

• References FCRA Section 1681i for legal weight

• Section to list supporting documents (e.g., proof of payment, ID theft affidavit)

• Editable in Microsoft Word for immediate use

Ideal for consumers, credit repair professionals, and attorneys assisting clients with identity theft recovery or inaccurate credit entries.