Writing a Dispute Letter
The information in bold is the information that you should alter. Each item you dispute is described in items 1 – 3. For example, if you have three (3) items to dispute, you fill in items 1 – 3 for each item.
Here is a very brief example to display how the items in bold are replaced with information. You might need to include much more information on your dispute. Don’t be afraid to add the information you need to the letter. The letter is only a suggestion with the basic information you need to mention.
Jane Smith
123 Main Street
Lovely Town, Perfect 12345
7/7/17
TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
Re: Jane Smith Credit report
To Whom It May Concern:
I am writing to dispute information in my credit file. The judgment I am disputing is below and had been identified on the enclosed report.
The judgment, San Francisco Circuit Court #08-40430 recorded on 12-27-08 outstanding is incomplete because this item has been paid. I am requesting that the item be corrected to show correct the information. Enclosed are copies of the post-judgment settlement, the cancel check and the satisfaction of judgment supporting my position.
Sincerely,
Jane Smith
Supporting Documentation Enclosed:
Credit Report pulled 7/6/2017
Post judgment settlement for San Francisco Circuit Court #08-40430
Copy of the cancel check
Satisfaction of judgment
Example Letter Template
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[First Name Last Name]
[Address]
[City, State, Zip]
[Date]
[Dispute Department]
[Name of Credit Bureau]
[Address]
[City, State, Zip]
Re: [inaccuracies on credit report]
To Whom It May Concern:
I am writing to dispute information in my credit file. The item(s) I am disputing are below and have been identified on the enclosed report.
- The item [identify item(s) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.]
- is [either inaccurate or incomplete]
- because [describe what is inaccurate or incomplete and why].
- I am requesting that the item be [deleted, corrected or request another specific change] to correct the information.
- Enclosed are copies of [describe any enclosed documentation, omit this sentence if no documentation is included] supporting my position.
- Please re-investigate this matter(s) and [delete or correct] the disputed item(s).
Sincerely,
Your name
Supporting Documentation: [List what you are enclosing]
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