Sample Dispute Letter to Credit Reporting Agencies

Sample letter disputing inaccurate information on a credit report.



Your Name
Mailing Address
City, State, Zip

Re: Disputing Inaccuracies on My Credit Report

Taxonomy upgrade extras: 

Groups Ask the FTC to Immediately Stop Credit Bureaus From Blocking Web Links to

The World Privacy Forum and the Privacy Rights Clearinghouse sent a letter to the Federal Trade Commission (FTC) today requesting the agency immediately take steps to protect consumers in advance of the March 1 rollout of free credit reports to Midwestern U.S. residents.

Call Don't Click Update: Still Be Smart about Ordering Federally Mandated Free Credit Reports

A new report issued today by the World Privacy Forum shows that many consumers may still be better off calling or mailing in for their federally mandated free credit reports instead of accessing the reports online. Although the official site has improved since its launch in December 2004, there are continuing hazards posed by imposter Web domains, some of which have been aggressively attempting to misdirect and in some cases deceive consumers.

Call Don't Click: Why It Is Smarter to Order a Federally Mandated Credit Report Via the Phone Instead of the Internet

new report issued today by Pam Dixon of the World Privacy Forum ( in advance of the March 1 rollout of free credit reports to Midwest residents, shows that consumers may be better off calling or mailing for their federally mandated free credit report instead of going online for it.

Comments to the FTC on Accuracy in Background Checks and Insurance Reports

The FTC should separately undertake a review of inaccuracies in employment reports and insurance claims reports.  From our experience, job applicants and employees encounter significant problems when an erroneous criminal history is reported to an employer. Local, state and federal court records are public records that are available to anyone and are not compiled for the purpose of furnishing data to consumer reporting agencies.

Groups Ask FTC to Stop Blocking Links to Free Credit Report Site,

While a number of issues regarding need to be corrected, one issue stands out as critically important to correct immediately. That is, the active blocking of Web linking to the site is harming consumers right now, and does not serve any apparent purpose other than to direct consumers to for-pay services at the credit bureaus.

Fair and Reasonable Fee for Credit Score Disclosure: Comments to Federal Trade Commission

For years lenders have relied on scoring models to evaluate risk in extending credit to individual consumers for a car loan, mortgage or credit card. Following the lead of states like California and Colorado, Congress amended the FCRA with the Fair and Accurate Credit Reporting Act of 2003, Pub. L. 108-159, (FACTA), and gave consumers the right to view their score as well as get an explanation of the factors that went into the score.

When consumer interests are factored in, the only fair and reasonable approach is for the Commission to set a fee limited to the actual cost of producing and delivering the score to consumers.

FTC Sues Imposter Web Sites Offering "Free Credit Reports"

The FTC this week announced a lawsuit and simultaneous settlement with, a subsidiary of the credit bureau Experian, and, companies that advertise free credit reports. The FTC charged the companies with "deceptive and misleading" claims. and advertised "free credit reports," but failed to inform consumers that they were automatically signing up for credit report monitoring services and would be charged $79.95 if they did not cancel within 30 days.


Showing 11-20 of 28 results
Subscribe to credit report