Sample FCRA Dispute Letter (Free Template)

Bureaus process millions of disputes. Letters that get results are specific, factual, and easy to act on. That means: your full identifying information, the exact account name and number as shown on your report, a clear statement of what is wrong, and a direct request to delete or correct the item.

Avoid internet "template blasts" that dispute everything as "not mine" — bureaus can flag those as frivolous and refuse to investigate. Only dispute items that are genuinely inaccurate, and say why.

Here is the shape of an effective dispute letter. The complete, personalized version is generated for you inside Selah Slate:

[Your Full Name]
[Street Address]
[City, State ZIP]
[Date]

[Bureau Name]
[Bureau Dispute Address]

Re: Request for investigation of inaccurate information

To whom it may concern:

I am writing to dispute the following information in my credit file. The items listed below are inaccurate…

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The full letter — each disputed item with the account number as shown
on your report, your specific dispute reasons, your evidence list, and
the legal closing bureaus expect — is generated for you inside Selah
Slate, personalized and print-ready. Free forever.

Every letter Selah Slate creates lists your exact items and factual reasons, cites your rights under the FCRA, and is formatted separately for each bureau — ready to print, sign, and mail.

• Equifax — P.O. Box 740256, Atlanta, GA 30374-0256
• Experian — P.O. Box 4500, Allen, TX 75013
• TransUnion — P.O. Box 2000, Chester, PA 19016-2000

Send by Certified Mail with Return Receipt when possible, and keep a copy of everything you send.

Selah Slate builds this letter for you: upload your credit report, check the items you want to challenge, pick a factual reason for each, and download a print-ready letter per bureau — with the 30-day response clock tracked automatically. It is free, forever.