Prudent Money
Letters - Dispute Letter to a Business following failed attempt with a CRA  E-mail

I always like to dispute information with the credit reporting agency first.  The Fair Credit Reporting Act allows for a consumer to dispute with both the Credit Reporting Agency as well as the business who furnished the incorrect information on your credit file.  If the credit reporting agency investigates the information with the business and the business verifies that the furnished information in question is correct, then you can dispute it with the business.  The business will reject the dispute letter if you do not provide new material information that was not considered in the initial investigation.

Date

Business

Address (you can send Certified Mail to a PO Box)

City / State / Zip

RE:       Letter of Dispute

 

To Whom It May Concern:

After review of my credit file, I have discovered that you have furnished _________ (Experian or TransUnion or Equifax) the following incorrect information:

_______________________________________________________________________________

_______________________________________________________________________________

_______________________________________________________________________________

_______________________________________________________________________________

 

It is incorrect for the following reason:

_______________________________________________________________________________

_______________________________________________________________________________

_______________________________________________________________________________

_______________________________________________________________________________

_______________________________________________________________________________

_______________________________________________________________________________

_______________________________________________________________________________

 

I have provided the following information as bases for my findings:

  • (old statements)
  • (any information that will help support your case)
  • (list the information that you have included; never send originals)

This information has been previously disputed with ___________ (Experian or TransUnion or Equifax) and you verified this incorrect information as true.  The information provided above is additional information that should be used in your investigation to clear up this matter.  At the point that the information is found to be incorrectly reported on my credit report, please either delete or change that information making my credit file correct.  I also request that you inform any other credit reporting agency that you have reported this incorrect information.

Please complete in the time allowed by the Fair Credit Reporting Act and notify me of your findings and actions.

I thank you in advance for correcting this matter.

 

Sincerely,