Document background
The Dispute Credit Report Letter is a crucial document used when consumers identify incorrect, outdated, or unauthorized information on their credit reports. Under US federal law, specifically the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate information and request an investigation by credit reporting agencies. This document should be used when discrepancies are found in credit reports from any of the major credit bureaus (Equifax, Experian, or TransUnion). The letter must include specific details about the disputed items, personal identification information, and any supporting documentation. Credit bureaus are required to investigate the dispute within 30 days (45 days in some circumstances) and must correct or delete any information that is found to be inaccurate, incomplete, or unverifiable.
