Credit Card Dispute Letter Example. Your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. Sample credit report dispute letter.
For example in california, the statute of limitations for debts is 4 years. Your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. Remember to keep a signed copy of your letter and all attachments.
Tell the company exactly why you are writing the letter, including the date and the amount of the dispute.
This letter is a formal dispute for a charge on my account for the amount of $. We have already discussed that you have a right to accurate credit reports. The major credit bureaus currently allow consumers to send disputes online, so you can simply follow their online instructions. All three credit reporting bureaus (equifax, experian, and transunion) accept dispute requests online, standard mail, and by phone.by law, the credit bureau must give a response within 30 days upon receiving notice.