Credit Report Dispute Letter in Minnesota

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 Minnesota law says

Medical debt protections	Yes. Medical debt may not be reported to credit bureaus, and credit bureaus may not include it in credit reports. Medical debt collectors may not suggest that needed care will be denied because of a debt, may not sue after the 6-year limitations period, may not add interest or fees unless the original agreement or law allows them, must stop robocalls when asked, and must include the Attorney General's phone number and a notice of the right to hire a lawyer in the first collection letter. Enacted in 2024 (2024 Minn. Laws ch. 114, art. 3). § 332C.02: https://www.revisor.mn.gov/statutes/cite/332C.02 Source: Minn. Stat. §§ 332C.02, 332C.03

Medical debt protections

Yes. Medical debt may not be reported to credit bureaus, and credit bureaus may not include it in credit reports. Medical debt collectors may not suggest that needed care will be denied because of a debt, may not sue after the 6-year limitations period, may not add interest or fees unless the original agreement or law allows them, must stop robocalls when asked, and must include the Attorney General's phone number and a notice of the right to hire a lawyer in the first collection letter.

Enacted in 2024 (2024 Minn. Laws ch. 114, art. 3). § 332C.02: https://www.revisor.mn.gov/statutes/cite/332C.02

Source: Minn. Stat. §§ 332C.02, 332C.03

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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.