Free Personal Information Dispute Letter

Use this free personal information dispute letter template to correct inaccurate identifying details on your credit report, such as a misspelled name, a wrong address, or information from a mixed file. Accurate personal data helps prevent mismatched or mixed credit files.

The letter (copy and customize)

[Your Full Name]
[Your Street Address]
[City, State ZIP]
[Date]

[Credit Bureau Name]
[Bureau Dispute Address]

Re: Request to correct personal information
[Your Name] — SSN ending in [XXXX]

To Whom It May Concern:

My credit file contains inaccurate personal information. Under the Fair Credit Reporting Act, please investigate and correct the following:

  - Incorrect information: [e.g., a misspelled name / an address I have never lived at / a wrong employer]
  - Correct information: [the accurate detail]

Please also remove any information that does not belong to me, including data that may indicate my file has been mixed with another consumer's. Enclosed are copies of my government-issued ID and proof of my correct information. Please send me written confirmation of the changes.

Sincerely,

[Your Signature]
[Your Printed Name]

Replace every bracketed placeholder with your own details. Mesa Group Consulting is not a law firm and this is not legal advice.

Get the formatted version

A polished Word download with the mailing addresses, documentation checklist, and step-by-step customization instructions.

How To Use It

How to send your personal information update letter

1
Customize the letter
Replace every bracketed placeholder with your own details. Keep the letter factual and to the point.
2
Attach copies, not originals
Include copies of your ID, proof of address, and any documents that support your case. Never mail originals.
3
Send by certified mail
Mail it certified with return receipt requested so you have proof of the date it was sent and received.
4
Track and keep records
Save a copy of the letter and the certified-mail receipt. Note the date so you can track the response deadline.
5
Follow up if needed
If you do not get a proper response in the required window, escalate with a follow-up letter or get help.

What's in the download

Personal-info correction template
Required documentation list
Bureau contact information
Follow-up tracking guide

Good to know: Only dispute information that is genuinely inaccurate, incomplete, or unverifiable. Knowingly submitting false information to a credit bureau or creditor can violate federal law.

Prefer Not to DIY?

We can take it from here

Mixed file or stubborn errors? We can handle the disputes for you.

Get help fixing your report

Keep an eye on your file across all three bureaus.

Monitor your report

Related letter templates

Credit Dispute Letter

Ask the credit bureaus to investigate and correct or remove inaccurate items on your report.

ChexSystems Dispute Letter

Dispute errors on your ChexSystems report so you can open a bank account again.

FAQ

Common questions

Incorrect names or addresses can cause a mixed file, where someone else's accounts appear on your report. Correcting your identifying details helps keep your file accurate and yours.

A copy of your government-issued ID and proof of your correct information (for example a utility bill for your real address). Send copies, never originals.

Back to all templates

Legal Disclaimer

This template is provided for educational purposes and general guidance, based on consumer-protection laws and common practice. Mesa Group Consulting is not a law firm and does not provide legal advice; for complex situations, consider consulting a consumer-rights attorney. Only dispute information that is genuinely inaccurate, incomplete, or unverifiable, and never misrepresent facts to a credit bureau or creditor, which may violate federal law. Results vary by situation.