FCRA · FDCPA · Metro 2
Dispute Deskone letter, all three bureaus.
Bundle inquiries, late payments, charge-offs and collections into a single deletion demand that cites the statute, the method-of-verification rule and the Metro 2 reporting standard — so the file gets corrected instead of endlessly re-investigated.
Your details
Items to delete
This company name is printed in the letter and PDF.
Reason written for you
I never signed an application, contract or written authorization with this party, so no permissible purpose existed under 15 U.S.C. § 1681b(a)(2) when my file was accessed.
Escalation round
Send certified mail with return receipt, one letter per bureau, and keep the green cards. The 30-day clock under § 1681i starts on delivery.
[Your Full Name] [Street Address] [City, State ZIP] DOB: [DOB] SSN (last 4): XXXX [today's date] Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374 RE: FORMAL DISPUTE AND DEMAND FOR DELETION — 15 U.S.C. § 1681i Disputed furnisher(s): [COMPANY BEING DISPUTED] Consumer: [Your Full Name] To Whom It May Concern: This is my initial written dispute. I am the consumer identified above. I dispute the following item(s) appearing on the file you maintain in my name. Each item is disputed as inaccurate, incomplete, or unverifiable, and each is disputed on its own independent grounds so that no item may be treated as duplicative, frivolous, or irrelevant under 15 U.S.C. § 1681i(a)(3). DISPUTED ITEMS 1. UNAUTHORIZED INQUIRY Furnisher / Creditor: [creditor] Account / Reference: [account number] Identified on my file: September 18, 2026 Reason disputed: I never signed an application, contract or written authorization with this party, so no permissible purpose existed under 15 U.S.C. § 1681b(a)(2) when my file was accessed. Claim: I did not authorize this inquiry and no permissible purpose existed. Demand: DELETE this item in its entirety. LEGAL BASIS • 15 U.S.C. § 1681b(a)(2) — a consumer report may only be furnished with my written instructions or a permissible purpose. • 15 U.S.C. § 1681b(f) — it is unlawful to obtain a consumer report without a permissible purpose. • 15 U.S.C. § 1681n / § 1681o — willful and negligent noncompliance carry statutory and actual damages. • 15 U.S.C. § 1681i(a)(1)(A) — you must conduct a reasonable reinvestigation within 30 days and delete any item that cannot be verified. • 15 U.S.C. § 1681i(a)(5)(A) — information that is inaccurate, incomplete, or cannot be verified must be promptly deleted or modified. • 15 U.S.C. § 1681i(a)(2)(A) — you must forward all relevant information I provide to the furnisher; a coded e-OSCAR two-digit summary is not a reasonable investigation (see Cushman v. Trans Union, 115 F.3d 220). WHAT I DEMAND, IN ONE STEP 1. Delete each item listed above rather than "verifying" it through an automated response. 2. If any item is retained, provide, per 15 U.S.C. § 1681i(a)(6)(B)(iii) and § 1681i(a)(7): the method of verification, the business name, full address and telephone number of every furnisher contacted, and the name of the individual who verified the data. 3. Provide a free updated copy of my file after the reinvestigation, per 15 U.S.C. § 1681i(a)(6)(B)(ii). 4. Do not treat this dispute as frivolous; each item is separately identified with the specific basis of dispute as required by § 1681i(a)(3)(B). I have not authorized any third party to file this dispute; it comes directly from me. Please respond in writing to the address above only. Failure to complete the reinvestigation within 30 days requires deletion as a matter of law. Sincerely, ____________________________ [Your Full Name] Enclosures: copy of government-issued ID, proof of address, highlighted report page(s)
Submit online instead of mailing
Copy your letter above, then paste it into the bureau's dispute form and attach your ID and proof documents.
Educational template, not legal advice. Only dispute items you believe are inaccurate, incomplete or unverifiable — knowingly false disputes are unlawful.