FCRA Dispute Letter Library
6 Templates · EN + ES The exact same templates we use to coach clients through bureau disputes — based on FCRA §611, §605B, §623, and FDCPA §809. Drop your email and we'll send the PDF.
What's in the PDF
Initial Accuracy Dispute (FCRA §611) — wrong balance, wrong status, wrong dates Mixed-File Dispute — items belong to a similarly-named relative Method-of-Verification Demand (§611(a)(7)) — second-round when bureau says "verified" Furnisher Direct Dispute (FCRA §623) — parallel path direct to creditor Debt Validation Request (FDCPA §809) — within 30 days of collector contact Identity Theft Block (FCRA §605B) — 4-business-day mandatory removal Plus
· Mailing best practices (CMRRR, paper file, 30-day timer)· Current bureau dispute addresses (TU, EX, EQ)· Quick-reference matching table — situation → which template· Escalation path (CFPB / FTC / MA AG / small claims)· Massachusetts c. 93A treble-damages note