We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.
What should my dispute letter to a credit reporting company look like?
Answer:
You can find an example of a dispute letter on the Federal Trade Commissions website you may send a dispute letter to both the credit reporting company and the creditor or other entity that provided the information.
To help clarify the dispute, if available, enclose the portion of your credit report that contains the disputed item, and circle or highlight the disputed item. Include copies (not originals) of documents that support your position.
The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.
