Education · Template
Section 611 dispute letter template
Fill in the fields below and your letter builds itself on the right. Print it, sign it, and mail it yourself — free. Educational information only — not legal advice.
Send to
Never enter your full Social Security number or full account numbers. Anything left blank appears as a [bracketed placeholder] for you to fill in by hand.
[Your full name] [Your street address] [City, State ZIP] October 7, 2026 Experian P.O. Box 4500 Allen, TX 75013 Re: Dispute of inaccurate information — [Creditor or company name], account ending in [last 4 digits] To whom it may concern: I am writing under Section 611 of the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute information in my credit file that I believe is inaccurate or incomplete. The item I am disputing: [Creditor or company name], account ending in [last 4 digits]. What is reported: [Describe what the report says] What is correct: [State what is actually correct] Why I believe it is wrong: [Explain the facts in your own words] Please conduct a reasonable reinvestigation of this item, forward the relevant information to the company that reported it, and correct or delete the item if it is found to be inaccurate, incomplete, or cannot be verified. Please also send me written results of your investigation and, on request, a description of the procedure used. Enclosed are copies of my photo identification, proof of my current address, and supporting documents. Sincerely, [Your full name] Enclosures: copy of photo ID, proof of address, supporting documents
Before you mail it
- Sign the letter in ink and attach copies (never originals) of your photo ID and proof of address.
- Send it by USPS Certified Mail with Return Receipt so you have proof of delivery.
- The bureau generally has 30 days from receipt to reinvestigate. Verify the bureau's current mailing address on its official website before sending.
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