Loading
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.
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.
After two CRA disputes that came back "verified" without correction, sue in U.S. District Court under § 1681p. Willful $100-$1,000 per violation + punitive + mandatory fees.
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 free FCRA federal-complaint wizard builds the U.S. District Court complaint with willful pleading, jury demand, and the full prayer for relief. Pair with the free 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.
Free Counsel chat
Free, jurisdiction-aware Q&A on procedure, deadlines, FDCPA / FCRA / TCPA / FMLA / ADA, debt-defense strategy, and bankruptcy schedules. No credit card.
Pay-only-when-you-file: free chat + free wizards. Filings are $9.99/form or $149 Case Pass for one full case (12 months unlimited). No subscription required.