PostalGenie
Credit reports

Send a credit report dispute letter

A PostalGenie customer sending a letter from her phone, a team member carrying printed letters, and a recipient opening their mail.

Tell Genie which entry is wrong and why. It drafts the dispute, addresses it to the bureau or furnisher, and we print and mail it.

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First-Class from $4.99 · Certified Mail $14.99 with tracking and a delivery record

What this letter is

A credit dispute letter tells a credit reporting agency — Equifax, Experian or TransUnion — or the company that furnished the information that an entry on your report is inaccurate, and asks for it to be investigated. The Fair Credit Reporting Act requires agencies to investigate disputes and to correct or delete information that cannot be verified. Disputes can be filed online, but many people mail them because a mailed dispute with an enclosed copy of the report creates a dated paper record of exactly what was disputed and when.

What to put in it

  • Your full name, current mailing address, and date of birth.
  • The specific account, collection or inquiry you are disputing, with its reference number.
  • Exactly what is inaccurate about it — wrong balance, not yours, already paid, duplicate.
  • What you are asking for: investigation, correction, or deletion of the entry.
  • Copies (never originals) of anything that supports the dispute.
  • One dispute per letter where you can — it keeps each investigation clean.

Disputes can be filed online, but the FTC's own guidance is to put a credit-report dispute in writing and send it by certified mail, so you can document that the bureau received it. A mailed dispute leaves you holding a dated copy of precisely what you sent, and Certified Mail here adds USPS tracking and a delivery record. If the entry is not corrected, that record is the starting point for whatever comes next.

From a prompt to the post office in 3 steps.

  1. 1

    Describe it

    Say what happened in plain words. No forms, no templates to pick.

  2. 2

    Genie drafts & checks

    It writes the letter in the right tone and finds the recipient's address.

  3. 3

    Preview and send

    Approve the exact letter and we post it. Certified adds tracking and a delivery record.

Good to know.

Which address do I send it to?

Each bureau publishes a mailing address for disputes, and furnishers list one on your statement. Give Genie the bureau or company name and it will look up a mailing address for you to confirm before you pay.

Can I attach a copy of my credit report?

Yes — attach the pages showing the disputed entry and they are printed and mailed behind your letter. Letters can run up to 12 pages; each page after the first is $0.49, and 7 or more pages adds a one-time $5.99 large-letter fee.

Is a 609 dispute letter different?

"609 letter" is a popular name for a dispute letter that cites §609 of the Fair Credit Reporting Act, the section covering your right to disclosure of what is in your file. It is still a dispute letter. Genie drafts from the facts you give it and does not provide legal advice.

*PostalGenie is a technology tool, not a law firm. Letters generated through PostalGenie are not legal advice and may not satisfy specific legal notice requirements. Consult a qualified attorney for legal matters.

Other letters Genie sends.

Send a credit report dispute letter, today.

You say it. Genie writes it, addresses it, and gets it in the mail.

Start your letter

Disclaimers

  1. Prices are shown exclusive of sales tax; applicable sales tax is calculated and added at checkout. The base price covers a one-page letter ($4.99 First-Class, $14.99 Certified Mail); for multi-page letters, $0.49 per additional page and a one-time $5.99 large-letter fee (7 or more pages) are added and shown before payment. The handwritten style is an optional $1.99 add-on, also shown before payment. Letters may be up to 12 pages.
  2. Genie is an automated AI system, not a person. It drafts each letter from the information you provide and does not add facts or claims you did not supply. AI-generated output may vary or contain errors; you are responsible for reviewing and approving the final letter, and no letter is mailed without your approval.
  3. Address lookup and verification rely on third-party data and are provided on a best-efforts basis. Accuracy is not guaranteed; you are responsible for confirming the recipient’s address before sending.
  4. Delivery times are estimates, not guarantees. Statutory deadlines, notice periods and filing requirements vary by state, contract and program — check the ones that apply to you.