Creditor Direct Dispute Letter
A creditor direct dispute letter challenges inaccurate information with the company that furnished it to the credit bureaus, rather than with the bureau itself. Under Section 623 of the Fair Credit Reporting Act, furnishers have their own duty to investigate a direct dispute and correct information they cannot verify as accurate.
FCRA Section 623 — 15 U.S.C. §1681s-2
Section 623 governs the responsibilities of furnishers of information. When you send a direct dispute with the required identifying information and supporting documents, the furnisher must investigate and correct or stop reporting information it determines is inaccurate.
When to use this letter
- The creditor keeps re-reporting an item the bureau "verified" but that you know is wrong.
- You have documents (receipts, statements, letters) that prove the creditor’s data is inaccurate.
- You want to address the source of the error directly, not just the bureau’s copy.
How to send it
Gather your proof
Direct disputes work best when you include documentation showing the specific information is inaccurate.
Identify the account clearly
Include enough identifying information for the furnisher to locate the account.
State the specific inaccuracy
Explain exactly what is wrong and what the correct information should be.
Send to the furnisher’s dispute address
Use the address the furnisher designates for disputes, by certified mail.
Creditor Direct Dispute template
Copy the sample below and replace everything in [brackets] with your own details. Words in brackets are placeholders — do not send them as-is.
[Your Full Name]
[Your Street Address]
[City, State ZIP]
[Date]
[Creditor / Furnisher Name]
[Furnisher Dispute Address]
Re: Direct dispute of inaccurate information under FCRA Section 623
To Whom It May Concern:
I am disputing information you are reporting about the following account directly with you as the furnisher:
Account number: [xxxx-xxxx-xxxx-1234]
Information disputed: [e.g. the account is reported 30 days late for (month/year) but was paid on time]
Correct information: [state what the record should show]
Under Section 623 of the Fair Credit Reporting Act (15 U.S.C. §1681s-2), please investigate this direct dispute. I have enclosed [describe your supporting documents], which show the information as currently reported is inaccurate.
Please correct your records and notify all credit bureaus to which you report this account. Please send confirmation to the address above.
Sincerely,
[Your Signature]
[Your Printed Name]
Enclosures: supporting documents, copy of IDTips before you send
- Include copies of the documents that prove the error — direct disputes hinge on your evidence.
- Use the furnisher’s designated dispute address if it has one; some are printed on your statement.
- A direct dispute is a strong follow-up when a bureau keeps returning an item as "verified."
Frequently asked questions
What is the difference between a bureau dispute and a direct dispute?
A bureau dispute (Section 611) goes to Equifax, Experian, or TransUnion. A direct dispute (Section 623) goes to the creditor that reported the information. Both can require an investigation of inaccurate items.
When should I use a direct dispute?
It is especially useful when the bureau keeps "verifying" an item you know is wrong and you have documentation proving the furnisher’s data is inaccurate.
Do I need to include documents?
Direct disputes are strongest when you enclose copies of records that show the reported information is inaccurate.
Let Storehouse360 do this for you
Instead of writing letters one at a time, Storehouse360 reads your credit report, drafts bureau-specific dispute letters for every inaccurate item, and mails them automatically — then tracks the responses.
Automate my disputesMore dispute letter templates
This template is provided for general informational purposes only and is not legal advice. Storehouse360 is not a law firm and is not a credit-repair organization. Only dispute information you genuinely believe to be inaccurate, incomplete, or unverifiable. No specific outcome is promised or guaranteed.