Credit Report Dispute Letter in New Jersey

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 New Jersey law says

Medical debt protections	Yes (Louisa Carman Medical Debt Relief Act, 2024). Medical creditors and collectors may not report medical debt for services on or after the law's effective date to credit bureaus, and credit bureaus may not report paid medical debt or medical debt under $500. Collection actions must wait at least 120 days after the first bill and an offer of a payment plan, with 30 days' notice. Interest on medical debt, including on judgments, is capped at 3% a year, and wages may not be garnished for patients with income under 600% of the federal poverty level. The Attorney General enforces the law. Approved July 22, 2024. Source: P.L. 2024, c. 48 (N.J.S.A. 56:11-56 to -63)

Medical debt protections

Yes (Louisa Carman Medical Debt Relief Act, 2024). Medical creditors and collectors may not report medical debt for services on or after the law's effective date to credit bureaus, and credit bureaus may not report paid medical debt or medical debt under $500. Collection actions must wait at least 120 days after the first bill and an offer of a payment plan, with 30 days' notice. Interest on medical debt, including on judgments, is capped at 3% a year, and wages may not be garnished for patients with income under 600% of the federal poverty level. The Attorney General enforces the law.

Approved July 22, 2024.

Source: P.L. 2024, c. 48 (N.J.S.A. 56:11-56 to -63)

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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.