Credit dispute letter templates UK

[Your name] [Your address] [Date] Credit Dispute Department [CRA name and address] Dear Sir/Madam, RE: Dispute of inaccurate late payment marker Date of birth: [Your DOB] I am writing to formally dispute inaccurate information on my credit file under Article 16 of the UK GDPR and Section 159 of the Consumer Credit Act 1974. DISPUTED ENTRY: Account: [Lender name] Account number: ****[Last 4 digits] Disputed information: Late payment recorded for [month/year] REASON FOR DISPUTE: The payment was made on [date], before the due date of [date]. I enclose a bank statement confirming this. REQUESTED ACTION: Please remove the late payment marker for [month/year]. Under the Consumer Credit Act, you must respond within 28 days. Yours faithfully, [Your name] Enclosures: – Bank statement showing payment cleared [date]

[Your name] [Your address] [Date] Credit Dispute Department [CRA name and address] Dear Sir/Madam, RE: Dispute of incorrectly registered default Date of birth: [Your DOB] I am writing to dispute a default under Article 16 of the UK GDPR and Section 159 of the Consumer Credit Act 1974. DISPUTED ENTRY: Account: [Lender name] Account number: ****[Last 4 digits] Default date: [Date] Default amount: [£Amount] REASON FOR DISPUTE: [Choose one or more:] – I did not receive a valid Default Notice (CCA s.87). – The notice was sent to the wrong address. – The notice did not give 14 clear days to remedy the breach. – The default information sheet (s.86A) was not included. – The default date/amount is incorrect. [Provide details.] REQUESTED ACTION: Please remove or correct the default entry. You must respond within 28 days. Yours faithfully, [Your name] Enclosures: – [List evidence]

[Your name] [Your address] [Date] Credit Dispute Department [CRA name and address] Dear Sir/Madam, RE: Dispute of unrecognised/fraudulent account Date of birth: [Your DOB] I am writing to dispute an account on my credit file that I did not open and do not recognise. DISPUTED ENTRY: Account: [Lender/company name] Account number: ****[Last 4 digits] Account opening date: [Date if shown] REASON FOR DISPUTE: I have never held an account with [lender name] and did not apply for or authorise this account. This may be a case of mistaken identity (mixed file) or fraudulent activity. [If fraud: I have reported this to Action Fraud. Crime reference number: [number].] REQUESTED ACTION: Please investigate and remove this account from my credit file. You must respond within 28 days. Yours faithfully, [Your name] Enclosures: – Proof of identity (copy of passport/driving licence) – [Action Fraud reference if applicable]

[Your name] [Your address] [Date] Credit Dispute Department [CRA name and address] Dear Sir/Madam, RE: Request to remove time-expired information Date of birth: [Your DOB] I am writing to request removal of an entry from my credit file that has exceeded the 6-year retention period. DISPUTED ENTRY: Account: [Lender name] Account number: ****[Last 4 digits] Default date: [Date] REASON FOR DISPUTE: The default was registered on [date], which is more than 6 years ago. Under data protection law and ICO guidance, this entry should have been removed automatically. REQUESTED ACTION: Please remove this entry immediately. You must respond within 28 days. Yours faithfully, [Your name]

[Your name] [Your address] [Date] [CRA name and address] Dear Sir/Madam, RE: Notice of Financial Disassociation Date of birth: [Your DOB] I am writing to request the removal of a financial association from my credit file. ASSOCIATED PERSON: Name: [Their name] Relationship: [e.g., former partner/spouse] REASON: All joint financial products have been closed or transferred to individual names. I am no longer financially connected to this person. REQUESTED ACTION: Please remove this financial association from my credit file. I confirm that no joint accounts, loans, or financial agreements remain active between us. Yours faithfully, [Your name] Enclosures: – Account closure confirmation(s)