Credit Report Dispute Letter (FCRA)

# Credit Report Dispute Letter (FCRA) This letter constitutes a formal written dispute submitted pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Specifically, this dispute is made under 15 U.S.C. § 1681i, which requires consumer reporting agencies (CRAs) to conduct a reasonable reinvestigation of disputed information within **30 days** of receipt (or 45 days if the consumer submits additional information during the reinvestigation period). Information that cannot be verified must be deleted or modified. Additionally, furnishers of information are notified under 15 U.S.C. § 1681s-2(b) that disputed information must be reviewed and corrected with all CRAs to which it was reported. --- ## Consumer Information Full Legal Name: ___________ Date of Birth: ___________ Current Address: ___________ Previous Address (if applicable): ___________ Phone Number: ___________ Email Address: ___________ Social Security Number (last four digits only): ___________ --- ## Consumer Reporting Agency This Dispute Is Directed To ___________ Date of Credit Report Reviewed: ___________ Report Confirmation or File Number (if available): ___________ --- ## Disputed Item 1 Name of Creditor or Data Furnisher: ___________