Bureau dispute letter generator
This is the workhorse letter: the written dispute you send to Experian, Equifax, or TransUnion when something on your report is inaccurate, incomplete, or cannot be verified. The Consumer Financial Protection Bureau publishes a sample dispute letter, and this generator follows its structure and adds the requests FCRA Section 611 gives you. Fill in the form and the letter builds itself. Nothing is sent anywhere, and nothing is stored.
The clock this letter starts
Under FCRA Section 611 (15 U.S.C. Section 1681i), a bureau that receives your dispute must conduct a reasonable reinvestigation, generally within 30 days of receiving it. The period can reach 45 days in two cases: when you dispute after receiving your free annual report, and when you send additional relevant information during the first 30 days, which can add 15 days. The bureau must forward your dispute to the company that reported the item, generally within 5 business days, must correct or delete information that is inaccurate, incomplete, or unverifiable, and must notify you of the results within 5 business days after the investigation ends. Sources: CFPB, “How long does it take to repair an error on a credit report,” and the text of FCRA Section 611, checked November 2026.
Before you send it
- Dispute separately with every bureau that lists the error. Fixing Experian does not fix TransUnion.
- The CFPB also recommends disputing with the company that reported the information, because that company has its own duty to investigate.
- Enclose copies, never originals: a copy of your report with the item circled, copies of documents that support your position, and a copy of your identification if requested.
- Mail it with a tracking method such as certified mail with return receipt, keep a copy of everything, and write the mailing date in the dispute tracker the same day.
- Confirm the bureau’s current dispute mailing address on its own website before you mail. Addresses change.
What this letter cannot do
It cannot remove accurate information. If the item is yours and the details are right, a dispute will come back verified, and that is the system working as the law describes. For an accurate late payment, the honest tool is a goodwill letter. For a debt a collector says you owe, start with a debt validation letter.
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