Sample Dispute Letter

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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


[Month Day], 2021

My Date of Birth: XX/XX/XXXX
Credit Report No. XXXXXXXXXXXX
Address: 123 Main Street, Anywhere, TX XXXXX
To Whom it May Concern:

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.

James Doe