You can find an example of a dispute letter on the Federal Trade Commission’s website – you may send a dispute letter to both the credit reporting company and the creditor or other entity that provided the information.

To help clarify the dispute, enclose the portion of your credit report that contains the disputed item, and circle or highlight the disputed item. Include copies (not originals) of documents that support your position.

TIP: Provide additional identifying information in your complaint letter. To help the credit reporting company locate the correct file or credit information about you, provide additional identification information in your letter. Such information can include your date of birth, your Social Security number, your spouse (if married), and current employment information. If you send your Social Security number and other sensitive information by email, please take appropriate security measures including encrypting the email.