⚡️ This is a comprehensive list of dispute reasons spanning ✨ multiple categories to use with basically any negative item type.
🌠 You can either go through all 🌟 300+ reasons using the links at the bottom of the page OR you can identify the negative item type (i.e. collection 3rd party, bankruptcy, etc. ) and only download or print the selected type.
To print/export all dispute reasons, use one of the print/export options and print all pages.
***Gen 2 is being updated and will total ~ 500 dispute reasons and 300 letters
|Gen 1||1||COLLECTIONS – 3RD PARTY||unknown collection|
|Gen 1||2||COLLECTIONS – 3RD PARTY||not mine|
|Gen 1||3||COLLECTIONS – 3RD PARTY||belongs to someone else|
|Gen 1||4||COLLECTIONS – 3RD PARTY||section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove|
|Gen 1||5||COLLECTIONS – 3RD PARTY||you didn't send anything to prove ownership|
|Gen 1||6||COLLECTIONS – 3RD PARTY||I need to see all paperwork associated with this account|
|Gen 1||7||COLLECTIONS – 3RD PARTY||how can you say that you verified this account when I haven't even heard back from the collection agency?|
|Gen 1||8||COLLECTIONS – 3RD PARTY||simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've "verified" this account with|
|Gen 1||9||COLLECTIONS – 3RD PARTY||section 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account cannot report|
|Gen 1||10||COLLECTIONS – 3RD PARTY||section 623 states that the creditor cannot continue to report it when disputed, unless they have proof to the contrary|