Credit Report Dispute Letter in Vermont
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 Vermont law says
| Medical debt protections | Since July 1, 2025, credit reporting agencies may not report or keep medical debt in a consumer's file. Large health care facilities and medical debt collectors may not report medical debt to credit bureaus, and large facilities may sell medical debt only to a nonprofit that will cancel it. In small claims court, consumer credit and medical debt claims are capped at $5,000. 18 V.S.A. 9485: https://legislature.vermont.gov/statutes/section/18/221/09485. Small claims cap: https://www.vtcourts.gov/self-help/debt-collection-small-claims |
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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 · Vermont 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.