How to write an inquiry dispute letter 2025

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A 609 dispute letter, often mischaracterized as a means of getting negative information removed from a credit report, is a name sometimes applied to a formal request for disclosure of credit information compiled by one of the national credit bureaus (Experian, TransUnion or Equifax).
When writing your dispute letter, it is a good rule of thumb to identify every disputed item, provide reasons for the dispute, and request an investigation or removal of the information you do not agree with.
Dear Sir or Madam: I am writing to dispute the following information in my file. The items I dispute are also encircled on the attached copy of the report I received. (Identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.)
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
What do I do if I see an inquiry I dont recognize on my credit report? Contact the lender directly to ask them about the inquiry. If they find it was made in error, ask them to inform the credit reporting agencies. If the lender finds the inquiry was made fraudulently, report it to the FTC.
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The letter should say youre disputing errors and should include: your complete name and address; each bit of inaccurate information that you want fixed, and why; and copies (not originals) of documents that support your request.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected.

inquiry dispute letter