Credit Contest Letter – Dispute of Items on Credit Report [Date] [Your Name] [Your Address] [Collector's Name] [Collector's Address] [Your Account #] Dear [insert name of collector or company]: I recently obtained a copy of my credit report from your agency and found the following item to be in error: Item 1: I dispute [Company name] account number [Account Number]. I attest that [Reason for dispute]. I am requesting that the item be [Action requested] to correct the information and show that I have [Reason for dispute]. Item 2: I dispute [Company name] account number [Account Number]. I attest that [Reason for dispute]. I am requesting that the item be [Action requested] to correct the information and show that I have [Reason for dispute]. Enclosed are copies of [Items you have copies of] supporting my position. You will see that each is coordinated by account number so you can easily see which documents correspond with which piece of evidence. Please reinvestigate these matters and correct the disputed items as soon as possible. In accordance with state and federal legislation, I expect to hear back from you within 30 days on this matter. Thank you. Sincerely,
Your Signature Your Printed Name Credit Contest Letter – First Letter to Business Claiming You Owe Money
[Date] [Your Name] [Your Address] [Collector's Name] [Collector's Address] Dear [insert name of collector or company], I am writing in response to your [method of correspondence] on [Date]. I am writing to dispute the debt because I do not believe I owe what you claim. I have sent you this letter within 30 days and am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Under the FDCPA, I