Credit Report Dispute Letter in Oregon

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 Oregon law says

Medical debt protections	No one may report medical debt of an Oregon resident to a credit reporting agency, and credit bureaus may not include known medical debt in a credit report. Hospitals must screen patients for financial assistance before sending a bill to collections. Interest on medical debt is barred for patients who qualify for financial assistance and otherwise capped at the one-year Treasury yield, between 2% and 5% a year, until judgment. Collectors may not pursue family members who are not legally responsible. Last amended 2025 (c. 343), which added the credit-reporting ban. Source: ORS 646A.677

Medical debt protections

No one may report medical debt of an Oregon resident to a credit reporting agency, and credit bureaus may not include known medical debt in a credit report. Hospitals must screen patients for financial assistance before sending a bill to collections. Interest on medical debt is barred for patients who qualify for financial assistance and otherwise capped at the one-year Treasury yield, between 2% and 5% a year, until judgment. Collectors may not pursue family members who are not legally responsible.

Last amended 2025 (c. 343), which added the credit-reporting ban.

Source: ORS 646A.677

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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.