Personal Information Dispute Letter
A PERSONAL DISPUTE LETTER is written communication that a consumer can use to challenge the accuracy of personal information on their credit report. Old and out of date employees, addresses, and names/alias need to be removed from the credit report for complete accuracy.
According to the US Code Title 15, Section 1681(a)(4), consumers have the right to dispute any information they believe to be inaccurate, incomplete, or unverifiable.
The dispute letter should be clear, concise, and contain all necessary supporting documents. It is recommended to send the letter via certified mail, return receipt requested, to ensure proof of delivery. The credit bureau must investigate the dispute within 30 days of receiving the dispute letter and provide a response to the consumer.