All payments made in the preview are in test mode. Use card 4242 4242 4242 4242 to try checkout.

Home My Portal Checklists Deadlines Legal Education Business Education Tax Education Credit Resources Pricing

Legal education only — not legal advice or representation.

Credit dispute toolkit

Credit report dispute letter generator

Generate a tailored letter PDF — an FCRA dispute to a credit bureau, or a debt-validation letter to a collector under FDCPA §809. Print and mail via certified mail with return receipt.

Legal basis

FCRA §611 — Reinvestigation procedure (15 U.S.C. §1681i) ↗
FCRA §623 — Furnisher responsibilities (15 U.S.C. §1681s-2) ↗
CFPB sample dispute letters ↗

1. Choose the credit bureau

2. Your information

3. The account in dispute

4. Select the issues

Each issue gets cited to the matching FCRA / FDCPA section in your letter.

Account is not mine / unauthorizedFCRA §611, 15 U.S.C. §1681iPaid debt shown as unpaid or balance is wrongFCRA §623, 15 U.S.C. §1681s-2Outdated negative item past 7-year limitFCRA §605, 15 U.S.C. §1681cDuplicate listing of the same accountFCRA §607, 15 U.S.C. §1681eIncorrect account status (open/closed/late)FCRA §623, 15 U.S.C. §1681s-2Incorrect dates (opened, last activity, DOFD)FCRA §605, 15 U.S.C. §1681cAccount opened via identity theftFCRA §605B, 15 U.S.C. §1681c-2Wrong personal information (name, address, SSN)FCRA §611, 15 U.S.C. §1681iIncorrect credit limit or high creditFCRA §623, 15 U.S.C. §1681s-2Debt has been improperly re-agedFCRA §605(c), 15 U.S.C. §1681c(c)

5. Additional context (optional)

Educational template only. Not legal advice. Always send certified mail with return receipt and keep copies for your records. Back to Credit

© 2026 myjusticeAI.org — AI-powered legal education

Legal information only. Not a law firm. Not legal advice or representation.

Contact: support@myjusticeai.org

Privacy·Terms·FAQ