{{OPERATOR_NAME}}
{{OPERATOR_ADDRESS}}
{{OPERATOR_CITY}}, {{OPERATOR_STATE}} {{OPERATOR_ZIP}}
Date of Birth: {{OPERATOR_DOB}}
SSN (last 4): XXX-XX-{{OPERATOR_SSN4}}

{{TODAY}}

{{BUREAU_NAME}}
{{BUREAU_ADDRESS}}

**Re: Formal dispute of specific inaccuracies — FCRA §611**

Dear {{BUREAU_NAME}},

I am formally disputing the accuracy of the following item on my credit report under the Fair Credit Reporting Act, 15 U.S.C. §1681i (FCRA §611). Under §611(a)(1)(A), you must conduct a reasonable reinvestigation within thirty (30) days of receipt of this dispute.

**Account information as reported:**
- Creditor as reported: {{CREDITOR}}
- Account number (last 4): {{ACCOUNT_LAST4}}
- Reported balance: {{BALANCE}}
- Date of first delinquency: {{DOFD}}
- Date opened: {{DATE_OPENED}}
- Status as reported: {{STATUS}}

**The specific inaccuracy I am disputing:**

> ★ REPLACE THIS BLOCK BEFORE MAILING ★
>
> State ONE OR MORE specific errors in this tradeline. Not "may include" — be concrete. Examples:
> • "The balance reported is {{BALANCE}} but I paid $X on [date] and have receipts."
> • "The date of first delinquency is reported as {{DOFD}} but I was never late until [date]."
> • "This account was closed by consumer on [date], not charged off."
> • "This account is not mine — I have never had a relationship with {{CREDITOR}}."
> • "The status shows '{{STATUS}}' but the debt was settled in full on [date] per attached agreement."
>
> Under CDIA / e-OSCAR guidance, disputes without a specific, concrete inaccuracy are routinely flagged as "frivolous" under §1681i(a)(3) and rejected. Please state at least one concrete inaccuracy above before mailing this letter.

**What §611 requires you to do:**

1. Conduct a reasonable reinvestigation within 30 days of receipt (45 days if I send supplemental documents).
2. Forward the specific dispute above to the furnisher for verification of the disputed field(s).
3. If the furnisher cannot verify the disputed information with documentation, correct or delete the tradeline.
4. Provide me the results of your reinvestigation in writing within five (5) business days of completion, per §611(a)(6)(A).
5. Provide the name, address, and telephone number of each furnisher contacted, per §611(a)(6)(B)(iii).

I am NOT requesting that this be marked "disputed" on my report. I am requesting a reinvestigation and, if the furnisher cannot produce documentation verifying the specific field(s) I have identified above, correction or deletion of the tradeline.

I have enclosed copies (not originals) of my government-issued ID and a utility bill or bank statement for address verification.

Sincerely,

_______________________
{{OPERATOR_NAME}}

Enclosures: proof of identity (photo ID + address verification)

*Sent via USPS Certified Mail with Return Receipt Requested. Retain your green certified receipt and the returned white return-receipt card as your legal audit trail.*

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*This letter is a consumer self-help template, not legal advice. If your dispute is complex, if you are being sued on this debt, or if the response is confusing, consult a consumer-rights attorney in your state. Many FCRA/FDCPA cases are taken on contingency (no up-front cost). Find one via https://www.naca.net/find-an-attorney or your state bar's lawyer referral service.*
