[YOUR FULL LEGAL NAME]
[YOUR STREET ADDRESS]
[CITY, STATE ZIP]

[DATE]

[FURNISHER COMPANY NAME]
[THE ADDRESS THE FURNISHER SPECIFIES FOR DISPUTES]

Sent by certified mail, return receipt requested

RE: Direct dispute of information you are reporting about me

To whom it may concern:

I am writing to dispute the accuracy of information you are furnishing about me
to one or more consumer reporting agencies. I am sending this notice to the
address you have specified for receiving disputes.

DISPUTED ITEM
Account as shown on my credit report: [PARTIAL ACCOUNT NUMBER AS PRINTED]
Reported by: [YOUR COMPANY NAME AS IT APPEARS ON THE REPORT]
Reported to: [LIST WHICH BUREAUS ARE SHOWING IT — Equifax, Experian, TransUnion]

THE SPECIFIC INFORMATION I AM DISPUTING
[Quote exactly what is being reported.]

THE BASIS FOR MY DISPUTE
[Explain why it is inaccurate, with dates and facts. This is the element the
statute calls the "basis for the dispute" — be concrete.]

CORRECTION REQUESTED
[State the specific correction you want.]

I am enclosing the supporting documentation listed below. If you require
additional or different documentation to substantiate the basis of this dispute,
please tell me in writing what it is.

Please investigate this dispute, review the information I have provided, and
report the results to me. If you determine the information is inaccurate, please
promptly notify every consumer reporting agency to which you have furnished it
and provide them with the correction.

MY IDENTIFYING INFORMATION
Full legal name: [YOUR FULL LEGAL NAME]
Date of birth: [MONTH DAY, YEAR]
Last four of Social Security number: [LAST FOUR DIGITS ONLY]
Current address: [YOUR ADDRESS]

ENCLOSURES
1. [Copy of the credit report page showing the item]
2. [Proof of payment, payoff letter, discharge order, or other document]
3. [Any correspondence from you about this account]

Sincerely,


_______________________________
[YOUR FULL LEGAL NAME]


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NOTES — DELETE THIS SECTION BEFORE SENDING

* The address matters. Send this to the address the furnisher specifies for
  disputes, not the payment remittance address and not general customer service.
  Check your credit report's furnisher listing, the company's website, and any
  correspondence they have sent you. If you cannot find one, use the most
  specific address you can identify and keep a record of how you looked.
* Do this in addition to, not instead of, a dispute with the credit bureaus.
  They trigger different obligations and create two independent records.
* Keep the two letters consistent — same facts, same requested correction, same
  enclosures.
* Do not resolve this by phone. If you call, follow up in writing reciting what
  was said and when.

This template is general information, not legal advice, and it has not been
reviewed against your particular situation. Credit File Corrections is not a
law firm. Read every line and edit it so that it is accurate for you before you
sign and send it.

Related guide: https://creditfilecorrections.com/disputes/furnisher-dispute/
Statutory framework: 15 U.S.C. § 1681s-2(a)(8), (b)
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