Templates citing the relevant FCRA section. Mail certified with return receipt — bureaus must respond within 30 days, with a 15-day extension allowed.
May 6, 2026
Experian
P.O. Box 4500
Allen, TX 75013
Re: Dispute of inaccurate information
To Whom It May Concern,
I am writing to dispute the following information in my credit file. The item I am disputing is the late payment reported by [CREDITOR] on account [ACCOUNT NUMBER], listed as a [DETAILS] late payment.
This information is inaccurate. I have made all payments on this account on time and have records to substantiate this. Per the Fair Credit Reporting Act §611, I am requesting that this item be investigated, verified, or removed from my file.
Please send me written confirmation of the result of your investigation within 30 days, along with an updated copy of my credit report.
Sincerely,
[YOUR FULL NAME]
[YOUR ADDRESS]
SSN (last 4): xxxx
DOB: MM/DD/YYYY