Credit Report Dispute Letter in Maryland
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 Maryland law says
| Medical debt protections | Yes, for hospital bills. A hospital may not report a patient to a credit bureau or sue for at least 240 days after the first bill, and had to instruct credit bureaus to delete prior adverse reports by November 1, 2025. Hospitals may not charge interest before a judgment, seek a lien on or force the sale of the patient's primary residence, seek body attachment or arrest, or garnish wages of patients eligible for free or reduced-cost care. The 12-year limitations period for sealed contracts does not apply to hospital debt. A further amended version of § 19-214.2 takes effect June 30, 2028 (Chapter 750 of 2025). |
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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 · Maryland 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.