Free Credit Dispute Letter Templates

Your Name
Your Address

Collector’s Name
Collector’s Address

Mr./Ms. Collector,

I am writing in response to your constant phone calls!

According to the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must refrain from all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at any location what so ever!

In accordance with the federal FDCPA, now that you have received this “stop calling” letter, you may only contact me to inform me that you:

• are terminating further collection efforts;
• invoking specified remedies which are ordinarily invoked by you or your company; or
• intend to invoke a specified remedy.

Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805(b)2 of the FDCPA.

Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me I will pursue all available legal actions to stop you from harassing me and my family.

Signature
Your Printed Name

Date

Your address

xxxxxxx

Creditor address

xxxxxx

Dear (Creditor name),

Please document materials that (creditor name) conferred to credit reporting agencies for me, (your name), for account number XXXXXXX. Since it is possible that serious problems may be present within that dissemination, I demand that your company provide these materials promptly. Also, please demonstrate that this debt was not claimed as a loss with any insuring entity. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information. Should you be unable to comply with my request during this reasonable period, data dissimenated by your company to the three credit reporting agencies shuld be regarded as unreliable, and may evidence (creditor name)’s desire to ignore consumer protection law. In that case, you should recall such items as soon as possible.

Thanks sincerely for your assistance.

Sincerely,

(Your name)

Full Name
Current Address
Current Phone Number

Attention: {insert credit reporting agency name}

{add CRA address here}

RE: Dispute Letter Dated {place the date of your initial letter here}

Dear {credit reporting agency}

This letter is a formal notice that you have failed to respond in a timely manner to my letter dated, {place the date of your initial letter here}, and deposited by registered mail with the Post Office on that date. For your benefit, and as a gesture of my goodwill, I will restate my dispute:

Line Item: {insert name of creditor, account number or line item number}

Item description: (found on your credit report)

The item: is completely (insert appropriate word: inaccurate, incorrect, incomplete, erroneous, misleading, outdated) and needs to be corrected immediately. I have enclosed a copy of your organization’s credit report dated {insert date of report here} and for your convenience, circled the item described above.

The Fair Credit Reporting Act requires you to investigate and respond to my dispute within 30 days, yet you have failed to do so. I feel it necessary to remind you that you may be liable for your willful non-compliance and that I am maintaining a careful record of my communications with you on this matter, in case your continued non-compliance forces me to file a complaint with the FTC. (See Title 15 USC 41)

Please do not delay further! {insert the appropriate word here} (Delete, Update, Correct) the information identified above and send corrected credit profile to me and to all creditors who have received a copy within the last 6 months, and the last 2 years for employment purposes.

If your re-investigation was negative, please supply the description of the procedure used to determine the accuracy and completeness of the information to my address listed above.

Sincerely,

Signature
Your Printed Name