Get the inaccurate stuff off your credit file.
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 build properly-cited dispute letters and bridge tools — free, no signup, certified-mail-ready.
FCRA dispute letter
Dispute an inaccurate, unverifiable, or duplicate credit-bureau entry. 4-step wizard with Equifax / Experian / TransUnion picker.
FDCPA validation letter
If the entry is from a debt collector, send a parallel § 1692g(b) validation letter to the collector — forces them to prove the debt.
Cease-and-desist letter
If the collector keeps calling about a disputed credit item, the cease-and-desist letter under § 1692c(c) stops contact entirely.
Bureau verified the wrong info anyway?
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. Case Pass covers the follow-up letters, the FDCPA scanner, and (if you sue) the complaint.
Not legal advice. SynthCounsel is not a law firm. These wizards generate self-help correspondence using standard FCRA and FDCPA citations.