Document background
The 30 Day Credit Dispute Letter is a crucial consumer protection tool in England and Wales, designed to address inaccuracies in credit reports. When consumers identify incorrect information on their credit reports, this document serves as their formal mechanism to challenge these errors. Under UK law, particularly the Consumer Credit Act 1974 and data protection regulations, credit reference agencies must investigate disputes within 30 days of receipt. The letter should clearly identify disputed items, provide supporting evidence, and formally request investigation and correction. It establishes a paper trail and triggers statutory obligations for credit reference agencies to respond.
