DIY Dispute Generator
Free to generate and preview. $14.99 Premium Export unlocks PDF, certified-mail automation, and Vault storage.
23 letter types. The Smart Dispute Engine will adapt wording, citations, and mailing rules automatically.
Credit Bureau Disputes
Bureau Dispute (FCRA SS611)
Challenge inaccurate items on your report.
Dispute accuracy/completeness of any tradeline under 15 U.S.C. SS1681i.
Method of Verification (FCRA SS611)
Ask how the bureau verified this item.
After verified reinvestigation result, demand disclosure of HOW verification was conducted under SS1681i(a)(6)(B)(iii).
Personal Info Deletion (FCRA SS605A)
Remove incorrect personal info.
Removal of inaccurately reported name/SSN/DOB under 15 U.S.C. SS1681c-1 and SS1681g.
Address Removal
Remove old or incorrect addresses.
Request removal of inaccurate or outdated address information under FCRA SS611.
Employer Removal
Remove incorrect employer info.
Request removal of inaccurate employer information under FCRA SS611.
Late Payment Dispute
Challenge a late payment notation.
Dispute accuracy of a specific late payment marker.
Charge-Off Dispute
Challenge charge-off status or balance.
Dispute accuracy or amount of a charged-off account.
Bankruptcy / Public Record Dispute
Dispute incorrect public records.
Dispute wrong bankruptcy records or those past the 7/10-year rule under SS1681c.
Reinvestigation Request (Round 2+)
Demand reinvestigation after verified.
Second-round dispute after bureau returns verified, citing failure to conduct reasonable reinvestigation under SS1681i.
609 Request (FCRA SS609)
Request all verification docs.
Complete file request under 15 U.S.C. SS1681g.
Comprehensive FCRA Dispute
Multi-section FCRA dispute with violations.
Comprehensive dispute citing SS1681i, SS1681s-2, SS1681e(b), SS1681n, SS1681o. Premium.
Furnisher Disputes
Furnisher Dispute (FCRA SS623)
Dispute directly with the data furnisher.
Direct dispute to creditor requiring correction under 15 U.S.C. SS1681s-2(a)(8).
Debt Collectors
Debt Validation (FDCPA SS809)
Force the collector to prove the debt is yours.
Validation demand within 30 days of first contact under 15 U.S.C. SS1692g(b).
Collection Account Dispute
Dispute a collection account.
Dispute collections that are inaccurate, not yours, paid, or time-barred.
pay-for-delete
Offer payment in exchange for deletion.
Negotiate pay-in-full in exchange for immediate deletion.
Cease and Desist (FDCPA SS805)
Stop all collector contact immediately.
Demand collector cease all communication under 15 U.S.C. SS1692c(c).
Comprehensive FDCPA Dispute
Cite all FDCPA violations.
Enumerates false representations, unfair practices, validation failures under 15 U.S.C. SS1692.
Inquiries
Hard Inquiry Removal
Remove unauthorized hard inquiries.
Challenge hard inquiries without written authorization under 15 U.S.C. SS1681b.
Identity Theft
Identity Theft Block (FCRA SS605B)
Block fraudulent accounts under federal law.
Block fraudulent accounts within 4 business days under 15 U.S.C. SS1681c-2.
Goodwill
Goodwill Letter
Ask creditor to remove a negative.
Polite request to a creditor in good standing to remove a late payment.
Legal / Pre-Litigation
Intent to Sue (FCRA/FDCPA)
Formal pre-litigation notice.
Pre-litigation notice citing FCRA SS1681n/SS1681o or FDCPA SS1692k.
Government Complaints
CFPB Complaint Draft
Draft your CFPB complaint.
Narrative draft for consumerfinance.gov submission. Premium only.
FTC Identity Theft Statement
Draft your FTC identity theft affidavit.
Draft narrative for IdentityTheft.gov with sworn statement checklist.
