MOORE WEALTH CONSULTING | FREE DIY DISPUTE TEMPLATE
Educational starting point. Complete privately. Remove all bracketed instructions before sending.

[Your name]
[Your mailing address]
[Date]
[Credit bureau or furnisher name and current dispute address]

Re: Dispute of inaccurate or incomplete credit reporting

I am disputing the following information in my credit file:
Reported company: [Name]
Account identifier: [Enough information for the recipient to locate the account]
Report date or confirmation number: [If available]
Reported information: [Exact entry]
Reason I believe this is inaccurate or incomplete: [Specific truthful explanation]
Supporting evidence: [List enclosed copies and what each demonstrates]
Requested resolution: [Specific correction or removal supported by the facts]

Please investigate this disputed information, review my supporting documents, and provide the results and any updated report required by applicable law.

Sincerely,
[Your signature and printed name]
Enclosures: [List]

BEFORE SENDING: Confirm the recipient's current address and identification requirements. Include copies, not originals. Keep your records. Certified mail with return receipt is optional for proof of receipt. Repeat the account section only for additional factual errors reported by this recipient. No score or deletion outcome is guaranteed.
Official instructions: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/