Data Furnisher Dispute Letter Template
This Data Furnisher Dispute Letter template is designed to help consumers formally dispute inaccurate information reported to credit bureaus. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681s-2(b), you have the right to request a thorough investigation into any inaccuracies on your credit report. This template serves as a professional tool for asserting that right and ensuring your credit report reflects accurate data.
Key Features:
- Structured format for clear communication with credit reporting agencies.
- References specific legal obligations under the FCRA for data furnishers.
- Includes space for detailing inaccurate information and providing supporting documents.
- Customizable fields, including your personal information and account details.
- Helps protect your credit score and financial reputation.
Who Should Use This Template: If you have identified inaccuracies in your credit report—such as incorrect account balances, misreported payments, or outdated information—this letter is essential for formally disputing those discrepancies.
How to Use: Fill in the required fields, including your name, address, account number, and any supporting documentation. Send the letter to the data furnisher’s dispute department to initiate your dispute process.
Disclaimer: This is not legal advice. Consult an attorney for legal guidance.