Round 1
3 bureaus in this dispute setExperianEquifaxTransUnion
Step 2: Letters
See the simple letters bureaus can read we'd make for each bureau. In a real account, these are yours to sign and mail.
Experian letter
Page 1 of 2
JORDAN AVERY EXAMPLE
123 Main St, Austin, TX 78701
2026-10-28
EXPERIAN
P.O. Box 4500, Allen, TX 75013
RE: DISPUTE OF INACCURATE CONSUMER REPORT INFORMATION (FCRA § 611)
FORMAL DISPUTE OF INACCURATE CONSUMER REPORT INFORMATION
--------------------------------------------------------
Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., I dispute the items below as inaccurate, incomplete, or unverifiable.
Investigate immediately. Forward this dispute and all enclosures to the furnisher(s). Provide written results of reinvestigation to me at the address above.
I demand immediate reinvestigation of the following inaccurate or unverifiable items on my consumer disclosure.
PREFERRED CONSUMER IDENTIFYING INFORMATION
----------------------------------------
I am the consumer identified below. Update my credit file to reflect ONLY this identifying information.
Use the legal name and mailing address shown here as the letterhead reference and as the primary demographics on my consumer report.
LEGAL NAME (retain as sole primary name on file): Jordan Avery Example
PRIMARY MAILING ADDRESS (retain on file): 123 Main St, Austin, TX 78701
REMOVE INACCURATE NAME VARIANTS FROM MY FILE (delete all others):
- Jordan A Example
- J Avery
REMOVE OR CORRECT INACCURATE / OUTDATED ADDRESSES ON MY FILE:
- None listed on this bureau report beyond the primary mailing address above.
REQUEST: Under FCRA § 611, reinvestigate and correct identifying information on my consumer file, retaining only the primary legal name and mailing address above.
DISPUTED ITEMS
--------------
ACCOUNT / ENTRY: Unknown furnisher (Inaccurate name variants on consumer file)
STATUTE: FCRA § 604 / § 611
SUMMARY: The bureau report lists name variants that do not match the consumer's primary legal name. Request removal of incorrect spellings and retention of a single primary name.
EVIDENCE:
- Remove name variant: Jordan A Example
Final mailed copy — plain text for bureau OCR. You sign and send; this is not legal advice.
Equifax letter
Page 1 of 2
JORDAN AVERY EXAMPLE
123 Main St, Austin, TX 78701
2026-10-28
EQUIFAX INFORMATION SERVICES LLC
P.O. Box 740256, Atlanta, GA 30374
RE: DISPUTE OF INACCURATE CONSUMER REPORT INFORMATION (FCRA § 611)
FORMAL DISPUTE OF INACCURATE CONSUMER REPORT INFORMATION
--------------------------------------------------------
Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., I dispute the items below as inaccurate, incomplete, or unverifiable.
Investigate immediately. Forward this dispute and all enclosures to the furnisher(s). Provide written results of reinvestigation to me at the address above.
This letter disputes specific account and inquiry information on my credit file. Take action on each item within the statutory period.
PREFERRED CONSUMER IDENTIFYING INFORMATION
----------------------------------------
I am the consumer identified below. Update my credit file to reflect ONLY this identifying information.
Use the legal name and mailing address shown here as the letterhead reference and as the primary demographics on my consumer report.
LEGAL NAME (retain as sole primary name on file): Jordan Avery Example
PRIMARY MAILING ADDRESS (retain on file): 123 Main St, Austin, TX 78701
REMOVE INACCURATE NAME VARIANTS FROM MY FILE (delete all others):
- Jordan A Example
- J Avery
REMOVE OR CORRECT INACCURATE / OUTDATED ADDRESSES ON MY FILE:
- None listed on this bureau report beyond the primary mailing address above.
REQUEST: Under FCRA § 611, reinvestigate and correct identifying information on my consumer file, retaining only the primary legal name and mailing address above.
DISPUTED ITEMS
--------------
ACCOUNT / ENTRY: Unknown furnisher (Inaccurate name variants on consumer file)
STATUTE: FCRA § 604 / § 611
SUMMARY: The bureau report lists name variants that do not match the consumer's primary legal name. Request removal of incorrect spellings and retention of a single primary name.
EVIDENCE:
- Remove name variant: Jordan A Example
Final mailed copy — plain text for bureau OCR. You sign and send; this is not legal advice.
Transunion letter
Page 1 of 2
JORDAN AVERY EXAMPLE
123 Main St, Austin, TX 78701
2026-10-28
TRANSUNION CONSUMER SOLUTIONS
P.O. Box 2000, Chester, PA 19016
RE: DISPUTE OF INACCURATE CONSUMER REPORT INFORMATION (FCRA § 611)
FORMAL DISPUTE OF INACCURATE CONSUMER REPORT INFORMATION
--------------------------------------------------------
Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., I dispute the items below as inaccurate, incomplete, or unverifiable.
Investigate immediately. Forward this dispute and all enclosures to the furnisher(s). Provide written results of reinvestigation to me at the address above.
This letter disputes specific account and inquiry information on my credit file. Take action on each item within the statutory period.
PREFERRED CONSUMER IDENTIFYING INFORMATION
----------------------------------------
I am the consumer identified below. Update my credit file to reflect ONLY this identifying information.
Use the legal name and mailing address shown here as the letterhead reference and as the primary demographics on my consumer report.
LEGAL NAME (retain as sole primary name on file): Jordan Avery Example
PRIMARY MAILING ADDRESS (retain on file): 123 Main St, Austin, TX 78701
REMOVE INACCURATE NAME VARIANTS FROM MY FILE (delete all others):
- Jordan A Example
- J Avery
REMOVE OR CORRECT INACCURATE / OUTDATED ADDRESSES ON MY FILE:
- None listed on this bureau report beyond the primary mailing address above.
REQUEST: Under FCRA § 611, reinvestigate and correct identifying information on my consumer file, retaining only the primary legal name and mailing address above.
DISPUTED ITEMS
--------------
ITEM UNDER FCRA DISPUTE: Unknown furnisher / Inaccurate name variants on consumer file
STATUTE: FCRA § 604 / § 611
SUMMARY: The bureau report lists name variants that do not match the consumer's primary legal name. Request removal of incorrect spellings and retention of a single primary name.
EVIDENCE:
- Remove name variant: Jordan A Example
Final mailed copy — plain text for bureau OCR. You sign and send; this is not legal advice.