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Template

Dispute letter for incorrect personal information

Use this when your name, address, employer, or Social Security number is wrong or belongs to someone else.

When to use this template

  • Addresses you never lived at appear on your report.
  • Names, birth dates, or SSN variations that aren't yours.
  • Your file looks mixed with another consumer's.

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: Personal information — [name variation / address / employer]

Why it is inaccurate: The personal information listed is inaccurate and does not belong to me: [list items]. My correct information is shown on the enclosed ID and proof of address.

What I am asking: Please investigate and remove the incorrect information from my file.

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:
- Government-issued photo ID
- Proof of current address
- Social Security card or W-2 if the SSN is in question

Skip the typing

Rapid Rescore writes this letter for each bureau from the accounts you choose, attaches your ID and proof of address, and lets you print and mail it free — or mail it for you first-class or certified with tracking.

Create my letters free

What to enclose

  • Government-issued photo ID
  • Proof of current address
  • Social Security card or W-2 if the SSN is in question

Send copies, never originals.

Tips

  • Mixed-file errors can also attach other people's accounts — check the accounts section too.
  • Wrong addresses can be a sign of identity theft.
  • Send it by a method that proves delivery. See certified mail vs first-class and where to send it.

More templates

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.

FAQs

Common questions

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