Furnisher Dispute Letter (Direct Dispute)

[Your Name]
[Your Address]
[City, State, ZIP]
[Date]

[Furnisher Name - Bank, Creditor, or Collection Agency]
[Furnisher Address]

Via Certified Mail, Return Receipt Requested

RE: Direct Dispute Under FCRA § 1681s-2(a)(8) - Account #[XXXXX]

To Whom It May Concern:

I am writing to dispute inaccurate information that you are reporting to the consumer reporting agencies regarding the above-referenced account. Under the Fair Credit Reporting Act (15 U.S.C. § 1681s-2), you are required to report accurate information and to investigate disputes submitted directly to you.

ACCOUNT INFORMATION:
Account Number: [Account Number]
Account Name: [Your name as it appears on the account]
Account Type: [Credit Card, Loan, Collection, etc.]

DISPUTE:
The information you are reporting is inaccurate for the following reason(s):

[Check all that apply and add details:]
□ This account does not belong to me
□ The balance reported is incorrect
   - You are reporting: $[Amount]
   - The correct balance is: $[Amount] / $0 (paid in full)
□ The payment history is incorrect
□ The account status is incorrect
   - You are reporting: [Status - e.g., "Charged Off," "Collection"]
   - The correct status is: [Status - e.g., "Paid," "Current"]
□ The date of first delinquency is incorrect
□ This account is past the 7-year reporting period
□ This account was included in bankruptcy
□ This is a duplicate entry
□ Other: [Explain]

SUPPORTING EVIDENCE:
I have enclosed copies of the following documents to support my dispute:
- [Payment confirmation/receipt]
- [Account statement showing correct balance]
- [Letter from creditor]
- [Court documents/Bankruptcy discharge]
- [Other relevant documentation]

YOUR OBLIGATIONS UNDER THE FCRA:
As a furnisher of information to consumer reporting agencies, you are required to:

1. Conduct a reasonable investigation of this dispute (15 U.S.C. § 1681s-2(b))
2. Review all relevant information I have provided
3. Report the results of your investigation to all credit bureaus to which you reported
4. If this information is inaccurate or cannot be verified, modify or delete it
5. Notify me of the results of your investigation

You may not:
- Ignore this dispute
- Conduct only a cursory review
- Fail to consider the evidence I have provided
- Continue reporting inaccurate information after being notified

LEGAL NOTICE:
Please be advised that if you fail to conduct a reasonable investigation, or if you continue to report information you know or should know is inaccurate, you may be subject to liability under the FCRA including:
- Actual damages suffered as a result of the inaccurate reporting
- Statutory damages of $100 to $1,000 per violation for willful noncompliance
- Punitive damages for willful violations
- Court costs and reasonable attorney fees

I expect a written response within 30 days confirming that you have investigated this matter and what actions you have taken.

Sincerely,

_______________________
[Your Signature]
[Your Printed Name]
[Your Phone Number]
[Your Email]

Enclosures:
- Copy of government-issued ID
- [List all supporting documents]

cc: Equifax, Experian, TransUnion (if applicable)