Dispute Letters

Download and edit

Below you can download my newest dispute letter with instructions on how to structure, send and respond with the appropriate next set of dispute letters. The bureaus tend to either delete, verify, update or not even respond to disputes and you need to know the proper way to reply and what law you are invoking by doing so without having to mention it.

If you have any questions regarding any of the letters or your own personal dispute issues, contact me by scheduling a consultation call discuss any further details.

*Make sure to erase instructions at the top of each letter before sending off to the various credit bureaus.

Instructions on how to submit your CFPB complaint are below. It is important to remember that you need to exhaust your remedies with the dispute process by utilizing the dispute letters below in the order that they are presented.

CFPB Complaint Process...

STEP 1

Create Account

Go to the CFPB website and create an account by clicking on the taps "Submit a complaint" and "Start a new complaint". You will enter your First and Last Name, Email address and create a password

STEP 2

Choose Reason

Next you are going to select "Credit reporting, credit repair services, or other personal consumer reports" and then select the second option, "Credit reporting" and then click next.

STEP 3

Choose Issue

On this page you want to select "Problem with a credit reporting company's investigation into an existing problem", select the next option, "Their investigation did not fix an error on your report", click the third option, "yes" and then click next.

STEP 4

Complaint Description

On this page, personally describe your dispute process including dates, amounts, and actions that were taken by you or the credit bureaus. Be as detailed as possible but not include personal information, such as your name, account number, address, Social Security number, etc. In the next box write that you want the resolution to be that the accounts in dispute be deleted from your credit report based on the law. Lastly on this page you want to include ALL your previous dispute letters sent to the bureaus and any related documents that may back your dispute letters. Then click next.

STEP 5

Companies Involved

On this page you want to list the credit bureaus that you are complaining against along with the last 4 of your ssn, name as it appears on credit report and date of birth. Then click next.

STEP 6

People Involved

On this page you want to input your personal information: name, address, phone number, email address and other information and then click "review".

STEP 7

Review Complaint

Here you will want to review your complaint and make any changes or add documents and then select the two options authorize the complaint and attest to its truth. Then click submit your complaint. Wait 15 to 30 days and refresh your credit report.