How to Send the Debt Dispute Letter
- Send it via certified mail with return receipt requested
- Keep a copy of the letter for your records
- Include any documents that support your claim, but never send originals
Debt Dispute Letter Template
Below is a sample debt dispute letter you can use to send to the credit bureaus. Customize it with your personal information.
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]
[Credit Bureau Name]
[Address]
[City, State, ZIP Code]
Subject: Dispute of Credit Report Entry
To Whom It May Concern,
I am writing to dispute the following information in my credit report. I obtained my report from your bureau on [date], and I have found the following item to be inaccurate:
Item Name: [Name of creditor or account]
Account Number: [Account number]
This item is incorrect because [explain the reason—e.g., the account does not belong to me, the payment history is inaccurate, or the balance is wrong].
Enclosed are copies of documents supporting my position, including [list the documents—e.g., bank statements, payment confirmations, or letters from the creditor].
Please investigate this matter and correct the disputed item as soon as possible. According to the Fair Credit Reporting Act, you are required to complete your investigation within 30 days.
Sincerely,
[Your Name]
[Your Signature]
Helpful Resources
If you want more letter templates or guidance, the Consumer Financial Protection Bureau (CFPB) has sample letters and educational materials: CFPB Debt Collection Resources.
Final Thoughts
Disputing a debt in writing gives you legal protection and forces the collector to prove their claim. Use the template above and keep your records organized. If you’re overwhelmed, consider speaking with a consumer attorney or credit repair professional.
For more tips check out this post with a step by step guide to re-building credit.
