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Dispute errors on your Equifax, Experian or TransUnion report

List the wrong items once and get a completed dispute letter for each credit bureau you pick, already addressed, based on the CFPB's sample letter and your rights under the Fair Credit Reporting Act.

Have these handy

A recent copy of your report from each bureau. It's free at AnnualCreditReport.com
For each wrong item: the company name and the last 4 of the account number as shown on the report
A copy of a government ID and a recent utility bill or bank statement (to prove who you are and where you live)

Based on

15 U.S.C. 1681i (FCRA reinvestigation)
15 U.S.C. 1681c-2 (identity theft block)

Official sources we used (reviewed 2026-10-19):

consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314
files.consumerfinance.gov/f/documents/092016_cfpb__CreditReportingSampleLetter.pdf
law.cornell.edu/uscode/text/15/1681i

Related guides

Dispute errors on your credit report with AI-organized evidence
Freeze your credit for free at all three bureaus

Template, not legal advice. We fill in a standard letter from your answers. Laws and deadlines vary. Check the facts before you send, and talk to a lawyer or legal aid for anything high-stakes.