Credit Report Dispute Letter in Arizona
Dispute an error on your credit report with a credit bureau. Under the federal Fair Credit Reporting Act (15 U.S.C. § 1681i), the bureau generally must investigate and correct or delete information it cannot verify. Attach copies of proof, not originals.
What Arizona law says
| Medical debt protections | Interest on medical debt, including judgments on medical debt, is capped at the lesser of 3% a year or the weekly average one-year Treasury yield for the week before the consumer was first billed. The general wage, homestead and vehicle protections also apply. Re-verified 2026-10-27. |
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[today's date]
To: [credit bureau name and dispute address]
From: [your full name], [your address], date of birth [date of birth]
I am disputing the following information in my credit report: [creditor or collector name], account [last 4 digits of account], reported as [what is wrong].
This is inaccurate because [reason it is wrong]. I have enclosed [copies of documents].
Please investigate and correct or delete this information, and send me an updated copy of my report.
[your name]
Credit Report Dispute Letter for other states · Arizona tenant rights
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.