CREDIT BUREAU ADDRESSES
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
Experian
P.O. Box 4500 Allen, TX 75013
TransUnion, LLC
Consumer Dispute Center
PO Box 2000
Chester, PA 19016
PLEASE READ THOROUGHLY
For all correspondence sent to Credit Bureaus (Equifax, TransUnion, and Experian), include a
copy of your identification. However, there is no need to include your ID when sending Dispute
Letters to Collection Agencies.
1. If your present address differs from the one on your ID, provide one of these documents
as proof of residence:
• Utility Bill (dated within the last 30 days)
• Bank Statement (dated within the last 30 days)
• Valid Driver's License
• State ID
• Utility Bill showing your current correct address
• Pay Stub
• W-2 Form
• 1099 Form
• Rental Lease Agreement
• House Deed
• Mortgage Statement
2. Sending dispute letters via Certified Mail is not mandatory. You may choose to send
them through Regular Mail instead.
3. As per the Fair Credit Reporting Act (FCRA), credit reporting agencies and furnishers, like
creditors, must investigate disputes within 30 days of receiving the consumer's dispute.
If the consumer provides additional relevant information during the initial 30 days, the
agency may extend the investigation period to 45 days.
4. The time frame for investigation starts only after the credit reporting agency receives the
dispute letters and initiates a dispute. Disputes may take up to 60 days per round.
Cease and Desist Example – USE THIS IF A DEBT COLLECTOR IS EMAILING OR TEXTING YOU.
THEY NEED TO SEND YOU MAIL ONLY. DELETE THIS PART.
[Your Name]
[Your Address]
[Your City, State, and Zip Code]
[Your Date of Birth]
[Your Social Security Number]
[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]
[Date]
Re: Dispute of Account [Account Number]
To Whom It May Concern,
I am writing to dispute the validity of the alleged debt associated with the above-referenced
account. Under the provisions of the federal Fair Debt Collection Practices Act (FDCPA) and the
Fair Credit Reporting Act (FCRA), I hereby exercise my rights to request that all communication
pertaining to this debt be ceased and desisted immediately.
It has come to my attention that you have been attempting to collect this debt from me, and as
per my rights granted by consumer protection laws, I am demanding that all communication
cease with me, my family members, friends, or my employer concerning this or any other
purported debts you claim I owe.
According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request
verification of the debt from your agency. I am requesting that you provide me with written
documentation, validating the legitimacy of this debt, including the amount owed, the original
creditor's name, and any relevant account information. Until proper validation is provided, I
dispute the debt in its entirety.
Moreover, it is essential to bring to your attention the requirements outlined in the Metro 2
Reporting Guidelines, which are mandated by the FCRA. Any information you furnish to credit
reporting agencies must be accurate, complete, and updated. If you have already reported this
debt to any credit bureaus, I demand that you correct any inaccurate information immediately.
Failure to comply with my request and the relevant consumer laws within 30 days from the date
of receipt of this letter will be considered a violation of my rights under the FDCPA and FCRA.
In such an event, I will have no choice but to file a complaint with the Federal Trade
Commission and the Attorney General of [your state here], outlining your non-compliance.
Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue
civil and criminal remedies to ensure my rights are protected.
Sincerely,
[Your First and Last Name]
NO SIGNATURE
Personal Identifier Disputes
One of the biggest issues with cleaning your credit report is not cleaning up your
personal identifiers. Often the credit bureaus have the wrong names, addresses,
and birthdates, etc. on consumers reports.
Date:
Credit Bureau:
Credit Bureau Address:
Your Name:
Address:
DOB:
Last 4 of SS:
To Whom it May Concern
PLEASE DELETE THIS PERSONAL INFORMATION BECAUSE IT IS FALSE
PERSONAL INFORMATION Not correct. Delete.
1. 1969 – Unknown year of birth – DELETE NOW!
ADDRESSES Not Mine. Delete.
1. ADDRESS HERE – NEVER LIVED HERE – DELETE IMMEDIATELY!
2. ADDRESS HERE – NEVER LIVED HERE – DELETE IMMEDIATELY!
3. ADDRESS HERE – NEVER LIVED HERE – DELETE IMMEDIATELY!!
4. ADDRESS HERE – NEVER LIVED HERE – DELETE IMMEDIATELY!!
NAMES - Not Mine. Delete
1. NAME HERE – NOT MY NAME – DELETE IMMEDIATELY
2. NAME HERE – NOT MY NAME – DELETE IMMEDIATELY
3. NAME HERE – NOT MY NAME – DELETE IMMEDIATELY
EMPLOYMENTS - Never worked there. Delete.
1. EMPLOYER HERE – NEVER WORKED HERE – DELETE IMMEDIATELY!
2. EMPLOYER HERE – NEVER WORKED HERE – DELETE IMMEDIATELY!
3. EMPLOYER HERE – NEVER WORKED HERE – DELETE IMMEDIATELY!
3. EMPLOYER HERE – NEVER WORKED HERE – DELETE IMMEDIATELY!
Please mail updated full credit report to the address provided.
Type Your full name:
PERSONAL IDENTIFIER HACK
This is the ONLY thing you can do online
How to clean up personal identifiers online.
Experian gives push back on those addresses and names tied to accounts.
Go to
https://www.experian.com/ncaconline/dispute
Clean your personal identifiers
Dispute
Names - “Never known by this name”
Address- “Never lived there”
DO NOT DISPUTE ACCOUNTS!!!!!!!
This is a 2-6 hour turn around and this will help! After you have done this if there are
some that cannot be removed SEND the letter above this! Some will not come off this is
to HELP YOU get it started. You can do this on each bureau.
You can re-dispute once your results are ready if something comes back anything other
than DELETED.
You need ONE NAME, ONE ADDRESS, ONE TELEPHONE NUMBER, ONE SSN and
ONE EMPLOYER on your credit report. That’s it!
