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Under 15 U.S.C. § 1681i, every credit bureau has 30 days to investigate your written dispute and delete anything they cannot verify. The wizards below are for properly-cited dispute letters and bridge tools. Each produces its letter once their rules are reviewed by a licensed attorney.
Dispute an inaccurate, unverifiable, or duplicate credit-bureau entry. 4-step wizard with Equifax / Experian / TransUnion picker.
Direct dispute to the creditor or collector under § 1681s-2(a)(8) + 12 C.F.R. § 1022.43. Pair with the CRA dispute to preserve § 1681s-2(b) remedies.
If the entry is from a debt collector, send a parallel § 1692g(b) validation letter to the collector — forces them to prove the debt.
If the collector keeps calling about a disputed credit item, the cease-and-desist letter under § 1692c(c) stops contact entirely.
Drafts a complaint for a U.S. district court. 15 U.S.C. § 1681p allows an FCRA action there or in any other court of competent jurisdiction, within 2 years of discovering the violation and 5 years of its occurrence. For willful noncompliance § 1681n(a) provides actual or statutory damages of $100–$1,000, punitive damages the court may allow, and costs and reasonable fees in a successful action.
Stronger than a § 1681i dispute. Forces the CRA to BLOCK fraudulent tradelines within 4 business days under § 1681c-2. Requires a police or FTC report.
Common pattern. Send a second-round dispute with new information (payoff letter, identity-theft report, the collector’s prior failed validation). If the furnisher continues to report inaccurate info after notice, that is a separate FCRA violation under § 1681s-2(b) — and statutory damages apply.
When letters fail, the next move is suit. The FCRA federal-complaint wizard is for the U.S. District Court complaint with willful pleading, jury demand, and the full prayer for relief, and produces it once their rules are reviewed by a licensed attorney. Pair with the IFP application to skip the $405 filing fee if you qualify.
Not legal advice. SynthCounsel is not a law firm. These wizards generate self-help correspondence using standard FCRA and FDCPA citations.
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