Credit Report Dispute Letter in Washington
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 Washington law says
| Medical debt protections | Collection agencies may not report medical debt to credit bureaus. With the first written notice they must tell the debtor of the right to request the original account number, date of last payment and an itemized statement, and they must stop collecting until a requested itemized statement is provided. Judgments for consumer debt (including medical debt) carry 9% interest. 19.16.250 last amended 2025 (c. 145). Interest: https://app.leg.wa.gov/RCW/default.aspx?cite=4.56.110 |
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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 · Washington 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.