Credit Report Dispute Letter in Illinois
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 Illinois law says
| Medical debt protections | Consumer reporting agencies may not include adverse information about medical debt, or about collection actions on medical debt, in credit reports, and may not keep medical debt information in a consumer's file. Medical debt charged to a general credit card is not covered. Effective January 1, 2025 (P.A. 103-648), amended by P.A. 104-417. Source: 815 ILCS 505/2EEEE |
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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]
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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.