Sample Letter To Credit Bureaus

You will need to contact each credit bureau individually by mail:

  • Equifax Complaint Department, P.O. Box 740241, Atlanta, GA 30374-0241
  • Experian National Consumer Assistance Center, P.O. Box 9532, Allen, TX 75013
  • TransUnion Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92634

This sample letter covers all the main points you should cover. Customize it as needed:


Your Name
Your Address
Your City, State Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are circled on the attached copy of the report I received. (Identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.)

I am a victim of identity theft, and did not make the charge(s). I am requesting that the item(s) be blocked to correct my credit report.

Enclosed are copies of (describe any enclosed documents) supporting my position. Please investigate this (these) matter(s) and block the disputed item(s) as soon as possible.

Yours truly,

Your name

Enclosures: (List what you are enclosing)

As an alternative, you may dispute items with the credit bureaus online. Look for “dispute” on their websites: EquifaxExperian, and TransUnion.


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