Dispute an error on your credit report – free template (US)
If your credit report contains something wrong, you can dispute it for free with the credit bureau. The bureau generally has 30 days to investigate and must correct or delete information that is inaccurate or cannot be verified. Send copies, never originals, and keep proof of mailing.
Free, no sign-up, nothing uploaded. Help in 11 languages, the document stays in English.
Fill in the template →Example (filled with sample data)
Maria Gonzalez
1820 Oak Street, Apt 4, Austin, TX 78701
[email protected]
October 31, 2026
Experian
P.O. Box 4500, Allen, TX 75013
Dispute of inaccurate information
To whom it may concern:
I am writing to dispute the following information in my credit file:
Metro Card Services, account ending 4417
The account is shown as 60 days late in March 2026. I paid on time; the bank confirmed this in writing.
This information is inaccurate. Under 15 U.S.C. § 1681i, please investigate and ensure that the item is corrected, and send me the results and an updated copy of my report.
Enclosed: copy of my ID, proof of address, and documents supporting my dispute.
Sincerely,
Maria Gonzalez
Signature
Created with Pflichtblatt (pflichtblatt.com). General guidance under the law of the United States and the state you selected, legal position as of October 2026. Not legal advice. Please check that it is up to date and fits your situation.
This is what the finished document looks like. Replace the sample data with your own in the form.
Questions
Is this template really free?
Yes. Pflichtblatt is free, has no ads, no sign-up and no tracking. Everything you type stays in your browser; the PDF is created on your device.
What does “Credit report dispute (FCRA)” mean?
If your credit report contains an error, the credit bureau must usually investigate within 30 days and correct or delete wrong information. You can get free reports at annualcreditreport.com.
Free, no sign-up, nothing uploaded. Help in 11 languages, the document stays in English.
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