609 Letter Dispute Template for United States

A 609 Letter Dispute is a specialized document used when consumers need to challenge information on their credit reports under United States federal law. This document type derives its name from Section 609 of the Fair Credit Reporting Act (FCRA), which grants consumers the right to request verification of information in their credit reports. The letter is typically used when standard dispute processes have been unsuccessful or when consumers want to exercise their specific rights under Section 609 to request detailed information about the source of disputed information. It should include the consumer's identifying information, specific items being disputed, and a formal request for verification of the disputed information. The document must comply with federal requirements under the FCRA and may need to consider additional state-specific consumer protection laws. A 609 Letter Dispute is particularly important in cases where consumers suspect identity theft, fraud, or significant reporting errors that may impact their creditworthiness.

1. Sender Information: Full legal name, current address, and other contact information of the person filing the dispute

2. Credit Bureau Information: Name and address of the credit reporting agency being contacted

3. Personal Identification: Social Security number, date of birth, and other identifying information needed to locate the credit file

4. Report Reference: Credit report confirmation number or date of report being disputed

5. Legal Rights Statement: Citation of FCRA Section 609 rights and request for verification

6. Disputed Items: Clear listing of each item being disputed and reason for dispute

7. Verification Request: Specific request for verification method and documentation

8. Closing and Signature: Formal closing, signature, and date