A “609 Dispute Letter” is often used to dispute inaccuracies on your credit report under the U.S. Fair Credit Reporting Act (FCRA), specifically Section 609.
Below is a sample template for a 609 Dispute Letter. Please note that this is just a template and should be customized to fit your specific situation.
[Your Name]
[Your Address]
[City, State, ZIP]
[Email Address]
[Phone Number]
[Today’s Date]
[Credit Reporting Agency’s Name]
[Credit Reporting Agency’s Address]
[City, State, ZIP]
To Whom It May Concern,
Re: Dispute of Inaccurate Information on Credit Report (FCRA Section 609)
I am writing to dispute the following information that appears on my credit report. I have identified the items below as inaccurate, incomplete, or unverifiable:
[Account/Creditor Name], Account Number: [Account Number], Reason for Dispute: [State the reason for the dispute]
[Account/Creditor Name], Account Number: [Account Number], Reason for Dispute: [State the reason for the dispute]
[Account/Creditor Name], Account Number: [Account Number], Reason for Dispute: [State the reason for the dispute]
Pursuant to Section 609 of the Fair Credit Reporting Act, I request that you disclose any and all information that you have on file for the accounts listed above, including but not limited to any contracts or service agreements I have signed.
If you are unable to provide the requested documentation, I kindly ask that you remove the disputed items from my credit report in accordance with the law.
Please conduct this investigation as soon as possible and send me a copy of the investigation results. If you find that the disputed information is inaccurate, please notify all the credit reporting agencies to which you provide data so that the corrections can be made to my credit profile across all platforms.
I am enclosing a copy of my identification and a copy of my credit report with the disputed items highlighted for your convenience.
Thank you for your prompt attention to this matter. I look forward to your timely response.
Sincerely,
[Your Name]
Enclosures:
Copy of Identification
Copy of Credit Report with Disputed Items Highlighted
