Free FCRA dispute letter templates

Attorney-reviewed templates for the most common credit report disputes. Use them as-is, copy them into your word processor, or generate a personalized version with our dispute tool.

FCRA Dispute Letter Template — Account Is Not Mine

Free FCRA dispute letter template for an account that doesn't belong to you. Cites 15 U.S.C. 1681i and triggers the bureau's 30-day reinvestigation duty.

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FCRA Dispute Letter Template — Incorrect Balance

Free FCRA dispute letter template for an incorrect balance reported on a credit report. Cites 15 U.S.C. 1681s-2(b) furnisher accuracy duties.

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FCRA Dispute Letter Template — Outdated Information (7-Year Rule)

Free template for disputing outdated information on a credit report. Cites the FCRA 7-year reporting limit under 15 U.S.C. 1681c(a).

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FCRA Method of Verification (MOV) Request Template

Free template for an FCRA Method of Verification request after a bureau verifies a disputed item. Cites § 611(a)(7).

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FDCPA Debt Validation Letter Template (1692g)

Free FDCPA debt validation request template. Forces a debt collector to prove the debt under 15 U.S.C. 1692g within 30 days.

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One-click generation in our dispute tool

Every template here is also available inside LawSensai with the relevant fields pre-filled from your uploaded credit report. The tool generates the letter, lets you mail it certified for $8.99, and tracks the FCRA 30-day clock automatically.

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