Credit Report Dispute Letter in New Mexico

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 Mexico law says

Medical debt protections	Yes (Patients' Debt Collection Protection Act, 2021). Medical debt and health care charges may not be pursued through collection actions against patients determined to be indigent, and existing collection actions must stop once a patient is found indigent. Providers may not hire third parties to collect from indigent patients. The Act also requires insurance and assistance screening, billing information and payment receipts. Source: NMSA 1978, §§ 57-32-1 to 57-32-10 (see § 57-32-4)

Medical debt protections

Yes (Patients' Debt Collection Protection Act, 2021). Medical debt and health care charges may not be pursued through collection actions against patients determined to be indigent, and existing collection actions must stop once a patient is found indigent. Providers may not hire third parties to collect from indigent patients. The Act also requires insurance and assistance screening, billing information and payment receipts.

Source: NMSA 1978, §§ 57-32-1 to 57-32-10 (see § 57-32-4)

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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.