Document background
The Factual Dispute Letter is a critical document used when an individual or business needs to formally challenge incorrect information maintained by another party. This document type is particularly relevant in the United States, where it is governed by federal consumer protection laws such as the FCRA and FDCPA, as well as state-specific consumer protection regulations. The letter should clearly identify the disputed information, provide supporting evidence, and request specific corrective actions. It serves as a formal trigger for the recipient's legal obligation to investigate the dispute and respond within mandated timeframes. The document is commonly used for credit report disputes, billing errors, debt validation requests, and other situations where factual accuracy is contested.
