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Free AI Dispute Letter Generator

Fill in your details, select your dispute items, and get professional FCRA/FDCPA dispute letters generated instantly. No signup required.

Build Your Letter

Complete each step to generate your letter

Your Information
This goes on the letter header. Bureaus need this to locate your file.
Only the last 4 digits — for bureau identification only
What are you disputing?
Select all negative item types on your report.
💵 Late Payment
📦 Collection
⚠ Charge-Off
🚗 Repo
🏠 Foreclosure
📜 Bankruptcy
⚖ Judgment
🔍 Inquiry
Choose your dispute strategy
Different strategies work for different situations. We recommend the best one for each item type.
⚡ Factual Dispute
Challenges accuracy under FCRA §611. Best for most items. Forces 30-day investigation.
🔍 Debt Validation
Demands proof under FDCPA §809(b). Best for collections & charge-offs you don't recognize.
📄 Procedural Request
Targets Metro 2 compliance violations. Best for Round 2+ when factual didn't work.
🔎 Method of Verification
Follow-up after bureau "verifies." Forces them to disclose HOW they verified.
🏥 HIPAA Medical Debt
For medical collections. Cites HIPAA privacy + FCRA. Healthcare info cannot appear on reports.
📨 Furnisher Direct (§623)
Skip the bureau. Dispute directly with the creditor/furnisher under FCRA §623. Best for Round 2+.
🏛 CFPB Escalation
Nuclear option. Files complaint with Consumer Financial Protection Bureau. 88% resolution rate.
Any details that strengthen your dispute — wrong dates, incorrect balances, identity mixup, etc.
Which bureaus to send to?
We'll generate a separate letter for each bureau. Select all that apply.
Round 1
Round 2
Round 3+
Review & Generate
Confirm your details before generating.
✅ Letters generated successfully! Scroll down to review each bureau letter.
✉

Your letter will appear here

Fill in the form on the left and we'll generate a professional dispute letter in real time.

Generating your dispute letters...

Analyzing your items and building legal citations

◯ Analyzing dispute items
◯ Selecting legal citations (FCRA/FDCPA)
◯ Building Metro 2 compliance arguments
◯ Generating personalized letters
◯ Formatting for print & mail