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FCRA dispute letter generator.

Fill in the form below and we’ll generate a properly formatted dispute letter citing FCRA §611 (15 U.S.C. §1681i), ready to print and mail by certified mail. Free, and nothing you enter leaves your browser. Send a separate letter to each bureau that’s reporting the error.

Step 1 · Your information

Full nameAddress line 1Address line 2 (optional)

CityStateZIP

Last 4 of SSN

Step 2 · Which bureau

Send this letter to

Send to each bureau that’s reporting the error — they’re separate entities and one fixing the issue won’t propagate to the others.

Step 3 · The disputed item

Creditor / furnisher nameAccount number (last 4)Reason for disputeWhat is wrong with this entry?What is the correct information?

Privacy note: Nothing you type leaves your browser. The letter is built locally; we don’t see your information unless you join the waitlist below.

Your letter

Fill in the form on the left and your letter will appear here in real time.

Send by certified mail with return receipt — that starts the FCRA’s 30-day reinvestigation clock and creates the legal record you need if the bureau fails to act.

Already running into walls?

The bureau ignored you. The furnisher “verified” the inaccurate item without explanation. The deletion got re-inserted 60 days later. These are exactly the patterns the Dot & Cross agent is built for — escalating to the CFPB, tracking re-insertion deadlines, and prepping for a private FCRA action when warranted.

Read the playbook

More on FCRA disputes.

Federal guide

How to dispute an error on your credit report (FCRA) →