Credit Report Dispute Letter in Maine

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 Maine law says

Medical debt protections	Strong protections. Medical debt may not appear on credit reports, and creditors and collectors may not report it. Debt collectors may not charge interest or fees on medical debt, may not garnish wages or put a lien on the debtor's principal home for it, and must give a 30-day income-screening notice before suing someone whose household income may be at or below 300% of the federal poverty guidelines. Collection is barred against patients who qualify for hospital charity care. The debtor's principal residence is fully exempt from execution for medical debt. Credit reporting ban: https://legislature.maine.gov/statutes/10/title10sec1310-H.html. Several of these rules were added in 2023-2025 (PL 2023 c. 663; PL 2025 c. 488 and c. 649). Source: 10 M.R.S. § 1310-H(4); 32 M.R.S. § 11013(3)(O)-(Q), (11)-(13); 14 M.R.S. § 4422(1)(F)

Medical debt protections

Strong protections. Medical debt may not appear on credit reports, and creditors and collectors may not report it. Debt collectors may not charge interest or fees on medical debt, may not garnish wages or put a lien on the debtor's principal home for it, and must give a 30-day income-screening notice before suing someone whose household income may be at or below 300% of the federal poverty guidelines. Collection is barred against patients who qualify for hospital charity care. The debtor's principal residence is fully exempt from execution for medical debt.

Credit reporting ban: https://legislature.maine.gov/statutes/10/title10sec1310-H.html. Several of these rules were added in 2023-2025 (PL 2023 c. 663; PL 2025 c. 488 and c. 649).

Source: 10 M.R.S. § 1310-H(4); 32 M.R.S. § 11013(3)(O)-(Q), (11)-(13); 14 M.R.S. § 4422(1)(F)

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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.