Sample Letter to Dispute a Mixed File in Your Credit Report
If you need to send a dispute letter to a credit bureau because they have mixed up someone else’s information in your file, use this sample:
[Your complete name]
[Report confirmation number, if available]
[Identifying information requested by company, typically including:
• Date of birth
• Address
• Telephone number]
[Your return address]
P.O. Box 740256
Atlanta, GA 30374] [Experian
P.O. Box 4500
Allen, TX 75013] [TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016]
Dear [Name of credit reporting company: Equifax or Experian or TransUnion],
I am writing to dispute the following information that appears on my [Equifax or Experian or TransUnion] consumer report.
Account Information: [List the account number and the name of the reporting company here]
This account is not mine. You have inserted someone else’s account information into my file. Please investigate and remove this account.
[Repeat for each account that belongs to someone else. Be sure to only challenge accounts you know are not yours. Never make a false report because federal law bans anyone from making false reports.]Thank you for your assistance.
Sincerely,
[Your name]
Send the letter by certified U.S. mail, return receipt requested. Ask your post office for help if you’re not sure how to do that.