An FCRA dispute letter is a letter that is written by an individual who has been denied credit or had their credit score lowered due to a violation of the Fair Credit Reporting Act.
The purpose of an FCRA dispute letter is to initiate the process of correcting a person's credit report. The letter should include the following information:
-The consumer's name, address, and phone number
-The date and time that the consumer contacted the company about their credit report
-A detailed description of why they believe their credit report was inaccurate or incomplete
-A copy of any documents that support the consumer's claim such as copies of police reports, court records, etc.