How To DISPUTE and Write A DISPUTE Letter (2022) Dispute Collections, Charge-offs & Public Records

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5 Components of a Dispute Letter:
1. Your personal info (name, address, SSN and birthdate
2. Opening statement (intent to dispute)
3. Accounts you are disputing (name of the account, account number and amount)
4. Closing statement (FCRA laws: FCRA Section 609 and FCRA Section 611)
5. Print your first and last name

Credit Bureaus Dispute Address:
P.O. Box 4500
Allen, TX 75013

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256

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how to dispute collections on credit

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1 Response

  1. Stephanie Ford says:

    Thanks for the information. So besides the intent of the letter, if I’m trying to get a collection off my account that I have no knowledge of should I include that as a statement too? Or just that there are some discrepancies?

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