Sample Dispute Letter
Contact the FreshStartHero for immediate help drafting any of your dispute letters
National Consumer Assistance Center
P.O. Box 4500
Allen, TX 75013
Equifax Information Solutions, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
Trans Union Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
VIA CERTIFIED MAIL: XXXXXXX-XXXXXXXX
[Month Day], 2021
My Date of Birth: XX/XX/XXXX
Credit Report No. XXXXXXXXXXXX
Address: 123 Main Street, Anywhere, TX XXXXX
On [Month and day], 2021, your company provided me with my consumer credit report. I have identified an item that is being reported incorrectly and that is harming my credit rating. Please review the following incorrect item, make the appropriate corrections, and send me a complete copy of my updated credit file.
[Insert Creditor Info here, Name, Address, City, State and Zip Code, account number XXXXXXXXX], was REAFFIRMED in my bankruptcy case on [XXXXXXX XX, 20XX] [case number XX-XXXXX, filed on XXXXXXXXXX XX, XXXX]. Simply put, the tradeline is being reported as if the account was discharged when in fact it was reaffirmed in my Chapter 7. For example, the status section is mis-labeled and does not indicate that my account was re-affirmed. Also, the tradeline does not include all of my positive account payment history showing the loan payments I have made, especially after bankruptcy discharge. Please DO NOT DELETE the tradeline.
I am also including a copy of the discharge and reaffirmation documents for transmission to the creditor. Thank you and I look forward to your immediate reply.