Dispute letter generator

This assistant builds an educational draft you can refine. It is not legal advice and does not replace reading bureau-specific instructions.

Related dispute guides

Important limitations

Dispute information that is inaccurate, incomplete, outdated, duplicated, unverifiable, or not yours—not accurate history you simply dislike.
Keep copies of your dispute and supporting documents. Consider certified mail when mailing materials if you want proof of delivery.
Do not include a Social Security number, full account number, date of birth, or credit report uploads in this draft tool.

Build your draft

Everything below stays local to your device.

Your details

Optional fields — omit anything you do not want in the draft. Do not enter a full account number, Social Security number, or date of birth.

Your name (optional)Mailing address (optional)Credit bureauFurnisher / creditor nameAccount nickname or last 4 digits onlyError typeExplanationRequested action

Evidence checklist (optional)

Check the kinds of documents you plan to include. This helps you keep a paper trail — it is not legal advice.

Recent account statementsLetters or emails to/from the creditorIdentity theft affidavit / police reportOther proof

Other evidence notes (optional)

Draft letter

[Your name]

May 14, 2026

Subject: Dispute of inaccurate credit report information

Dear Experian Disputes Department,

I am writing to dispute information in my credit file that I believe to be inaccurate, incomplete, outdated, duplicated, or unverifiable under the Fair Credit Reporting Act (FCRA).

Furnisher / creditor (if known): [Name]
Account identifier (nickname or last 4 only): [Reference]
Nature of dispute: Not mine / does not belong to me

Explanation:
[Describe what is wrong and why, factually.]

Requested action:
Investigate and correct or delete the inaccurate information.

Evidence I am including: [List documents you are attaching]

Please complete an investigation and provide the results, including contacting the furnisher as required by law if applicable.

Thank you for your attention to this matter.

Sincerely,

[Your signature name]

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Last updated: May 17, 2026