Dispute letter for bankruptcy reporting errors

When to use this template

• Accounts discharged in bankruptcy still show a balance or past-due status.
• A bankruptcy is reported with wrong dates or the wrong chapter.

Sample letter

Replace everything in [brackets], and send one letter to each bureau that shows the error.

[Your full name]
[Your street address]
[City, State ZIP]
[Date]

[Credit bureau name]
[Bureau dispute address]

Re: Dispute of inaccurate information on my credit report

To whom it may concern:

I am writing under the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute inaccurate information on my credit report.

Item in dispute: [Creditor name] — account ending [xxxx], included in bankruptcy

Why it is inaccurate: This account was included in my bankruptcy discharged on [date] and should be reported accordingly, without a balance or past-due amount.

What I am asking: Please investigate and correct the status of this account to reflect the bankruptcy discharge.

Please send me the results of your investigation in writing, along with an updated copy of my credit report.

Sincerely,
[Signature]
[Your printed name]

Enclosures:
- Discharge order or relevant pages of the bankruptcy filing
- The schedule listing the creditor

What to enclose

• Discharge order or relevant pages of the bankruptcy filing
• The schedule listing the creditor

Send copies, never originals.

Tips

• Bankruptcy dates and chapters matter for how long the filing is reported.
• Check each included account individually.
• Send it by a method that proves delivery. See certified mail vs first-class and where to send it.

More templates

• Collection account that isn't mine →
• Late payment reported in error →
• Inaccurate charge-off →
• Paid account still showing a balance →

General educational information and a generic template, not legal advice. A dispute can't remove accurate information, and Rapid Rescore does not guarantee any result. Last reviewed: October 2026.