604 Dispute Letter

Home --> 604 dispute letter

Their 604 dispute letters are one way you can try and improve your credit. The easiest? Working with a reputable company like Credit Repair Ease who identify errors on the credit report for users.

What is a 604 dispute letter?

A 604 dispute letter asks creditors to remove any FCRA-related problems that may exist in their records because they fall under section 604 o fthe Fair Debt Reporting Act(FDR). credit repair is possible with the help of a letter. If you have checked your credit report and found errors, this dispute will get them removed from what's on there!

Common errors to look for

  • Personal information
  • Inaccuracies w/account status
  • Fraudulent accounts
  • Balance errors
  • Data mistakes

Examples of letters of dispute


Your Name

Your Address, City, State, Zip Code
Complaint Department

Name of Company


City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type ofitem, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what isinaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as apolice report, Identity Theft Affidavit, payment records, court documents) supporting my position. Please

reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copiesof any and all applications and business transaction records related to the fraudulent account(s). The copies

of the records can be (mailed to me at the address listed below or faxed to the number listed below. In addition, please make these records available to the Pocatello Police Department upon their request.


Your name


The 604 dispute letter is a great way to remove errors hurting your credit score. This strategy will help you as follows:

  • Easy to do : Writing a 604 dispute letter is easy, and you can even find templates online to help get started.
  • Credit agencies have to investigate : When you submit a compliance statement to the credit bureaus, they must investigate your claim within 30 days and send back results of their findings in 5 days.
  • Can get negative items removed : If you identify any errors on your report, the credit bureaus will take care of them and give a better score in return!


The thought of filing a formal complaint is not easy, but it's necessary in some cases. Dispute letters can help you secure the victory and protect your rights as well!

  • The debt gets verified : What you thought was a mistake could be verified by credit bureaus. That means the negative mark on your report stays there forever!
  • It's a long process : The sooner you get that loan, the better. A month waiting for an investigation can put a wrench in your plans and cost more money than just finishing up early!

Boost your score with Credit Repair Ease

Disputing negative items on your credit report can be hard work! It takes time, effort and organization. But the good news? Our team of dedicated professionals will simplify everything for you by fighting inaccuracies in a timely manner so that we may boost your score fast!.

Credit Repair Ease is more than a credit repair company, they are an empowerment organization that helps people reach their financial dreams in 2022 and beyond.

Call us at (888) 803-7889 or set up a consultation to get started, today!

We have the tools to help you fix your credit. Give us a call for a FREE credit report consultation