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FCRA Credit Bureau Dispute Letter

Fill in the form on the left. Your letter updates in real time on the right. Then copy or print.

Your Dispute Information

All fields stay private — nothing is sent to any server.

1

Your Information

Your Full Legal Name

Street Address

City

State

ZIP

Phone Number (optional)

2

Credit Bureau to Dispute With

🟥 Equifax

🟦 TransUnion

🟩 Experian

📨 All Three

3

Account / Item Being Disputed

Creditor / Account Name

Account Number (Last 4 Digits)

Type of Error

Brief Description of the Error

4

Date of Discovery

When did you discover this error?

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📬

Official Bureau Dispute Mailing Addresses — Always Send Certified Mail, Return Receipt Requested

Equifax

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

TransUnion

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016

Experian

Experian
P.O. Box 4500
Allen, TX 75013

Important Note

Send via USPS Certified Mail with Return Receipt (Form 3800 + 3811). This proves delivery and starts the 30-day investigation clock.

Why It Matters

Why Your Dispute Letter Must Cite the Law

A vague dispute letter is easy for a bureau to dismiss. A letter citing federal statute is not.

§ 1681i(a)(1)

It Triggers the 30-Day Legal Clock

Citing 15 U.S.C. § 1681i in your letter makes clear you know your legal rights. The bureau must complete its investigation within 30 days — 45 days if you provide additional information. Miss a deadline and they've committed a violation worth $100–$1,000.

§ 1681n

It Creates a Paper Trail for Future Litigation

A certified letter with a federal citation on file documents the moment you put the bureau on notice. If they fail to investigate or re-insert the item, your attorney can show the court exactly when and how you complied — and they did not.

§ 1681i(a)(5)

It Establishes Willfulness If the Bureau Ignores It

Willfulness — the standard for statutory damages — is easier to prove when the bureau received a letter that explicitly cited the law and chose not to comply. Courts have found reckless disregard where bureaus ignored clearly-stated legal obligations.

Common Questions

Dispute Letter FAQ

No. Disputing information on your credit report is completely free under the FCRA. Credit bureaus are legally prohibited from charging you to investigate a dispute. Any service that charges you to write or submit a dispute letter on your behalf is unnecessary — this tool generates the same letter for free.

Under 15 U.S.C. § 1681i(a)(1), the bureau has 30 days from receipt of your dispute to complete its investigation. This extends to 45 days if you provide additional information after the initial dispute. The bureau must then notify you of the results within 5 business days of completing the investigation, per § 1681i(a)(6).

Failure to investigate within 30 days is itself a violation of § 1681i(a)(1), worth $100–$1,000 per willful violation under § 1681n. You should consult a consumer rights attorney immediately. Because you sent the letter via certified mail, you have documented proof that the bureau received your dispute and failed to act. Most consumer protection attorneys take FCRA cases on contingency — you owe nothing unless they win.

You can dispute online through each bureau's website, but there are important drawbacks: online disputes may waive certain FCRA rights, the bureau controls what you can enter, and you have no independent proof of what you submitted. A certified letter gives you a timestamped, signed proof of delivery, creates a clearer legal record, and allows you to include supporting documentation. For any dispute that may lead to legal action, certified mail is strongly preferred.

Next Step

Bureau Didn't Respond? Time to Talk to an Attorney.

If a credit bureau ignored your dispute or re-inserted an item without notifying you, you may be entitled to $100–$1,000 per violation plus attorney's fees. Most FCRA attorneys work on contingency.

Find a Consumer Rights Attorney →

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