Sample Dispute Letter

[Name]
[Address]
[City,St ZIP]

Social Security number: [XXX-XX-XXXX]
Date of birth: [XX/XX/19XX]

Equifax
P. O. Box 740241
Atlanta, GA 30374-0241

01/01/2007

Dear Credit Bureau,

I applied for a loan last week and I was told that my credit scores were too low so I requested my credit reports and after reviewing them I have noticed numerous errors! I am sure that this is not normal? Please correct these errors as soon as possible!

For some reason you have addresses for me which I do not recognize:

I have no knowledge of the following public records:

I have no record or knowledge of the following accounts:

If any of these accounts are verified, please furnish me with the name and address of the verifying party, the method of verification, and the reported first delinquency from the original creditor. Thanks for your time!

Sincerely,

[Name]

Note: The above letter is addressed to Equifax, but works for all three credit bureaus. Simply replace their address & information with TransUnion’s or Experian’s.

TransUnion
P. O.Box 1000
Chester, PA 19022

Experian
2220 Ritchey
Santa Ana, CA 92705

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