Credit Report Dispute Letter in Rhode Island
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 Rhode Island law says
| Medical debt protections | Medical debt may not be reported to credit bureaus, and credit bureaus may not record or report it (since Jan. 1, 2025). Collection letters must say that Rhode Island law prohibits credit bureaus from reporting medical debt. Collection, lawsuits and credit reporting must pause while an insurance appeal is pending. Since January 1, 2026, a judgment based on medical debt cannot be collected by wage garnishment or by attaching the debtor's principal residence. Section text: http://webserver.rilegislature.gov/Statutes/TITLE6/6-60/6-60-4.htm |
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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 · Rhode Island 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.