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Dispute Letter Generator

Fill in a few details and get a formatted dispute letter citing your rights under the Fair Credit Reporting Act, addressed to the right bureau. Edit the wording, copy or download it, then sign and mail it yourself.

Your full nameStreet addressCity, state, ZIPCredit bureauCreditor / account name being disputedAccount number (optional)Reason for disputeExplanation (edit freely)

Enclosures to mentionCopy of government-issued IDCopy of proof of current address (utility bill, lease, etc.)Supporting documents (statements, receipts, payoff letter, etc.)

Letter preview

Fill in your name, creditor, and reason to complete it





August 19, 2026

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374

Re: Request to Investigate Inaccurate Information

To Whom It May Concern:

I am writing to dispute the following information in my credit file, as permitted under the Fair Credit Reporting Act, 15 U.S.C. § 1681i. I have reviewed my credit report and found the item listed below to be inaccurate or incomplete.

Account / Creditor: 

Reason for dispute: This account does not belong to me and I have never had a business relationship with this creditor. I believe this may be the result of identity theft or a mixed credit file, and I am requesting a full investigation and removal of this item.

I am requesting that you investigate this matter and correct or delete the disputed item as soon as possible, in accordance with the 30-day timeframe set out in the Fair Credit Reporting Act. Please send me written confirmation of the results of your investigation and, if applicable, an updated copy of my credit report.

Thank you for your prompt attention to this matter.

Sincerely,

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