CREDIT REPORT DISPUTE FORM
If you feel there are inaccuracies in your credit report, you should complete and sign this form
and mail it directly to the credit bureau (Experian, Trans Union or Equifax) that supplied the
information. It is also advisable to write directly to the creditor (bank, department store or other
lender) detailing the error and the corrective actions you have taken.
Mail this form to the appropriate credit bureau. Please refer to the credit report for the correct mailing address.
First Name___________________ Middle____________ Last____________________________ Jr.____Sr.____
Date of Birth __________ Social Security Number (necessary to access your credit reports) ________________
The creditor’s name, your account
number with them, and identification
of the item in question, including date.
The specific reason that you
disagree with the disputed item.
FAIR CREDIT REPORTING ACT
Section 611: Procedure In Case Of Disputed Accuracy
a) If the completeness or accuracy of any item of information contained in his file is
disputed by a consumer, and such dispute is directly conveyed to the consumer reporting
agency by the consumer, the consumer reporting agency shall within a reasonable period
of time reinvestigate and record the current status of that information unless it has
reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant.
If after such reinvestigation such information is found to be inaccurate or can no longer
be verified, the consumer reporting agency shall promptly delete such information. The
presence of contradictory information in the consumer's file does not in and of itself
constitute reasonable grounds for believing the d