Dispute Kit

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Your dispute letter

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Where you live

What it was about

Company or agency

Date of the decision

Reference number (optional)

Do not enter full SSNs, passwords, or bank account numbers.

Your name (optional)

What happened, in one or two sentences

What to ask for12 CFR § 1002.9A lender that turns you down must give the specific main reasons, or tell you how to ask for them.15 U.S.C. § 1681mIf a credit report was used against you, the lender must tell you, name the credit bureau, and tell you about your free copy within 60 days and your right to dispute errors.15 U.S.C. § 1681iA credit bureau must check information you dispute, for free, within 30 days.15 U.S.C. § 1666You can dispute a credit card billing error in writing within 60 days of the statement. The card company must acknowledge it within 30 days and resolve it within 90 days.Ask for the main reasonsAsk for a person to review itAsk whether AI or automated software was used

Your letter (you can edit it here)

2 November 2026
To: [company or agency]
Subject: Request for reasons and human review of a decision

Hello,

I am writing about a decision made on [date]. What happened: [what happened, in one or two sentences]

I am asking for the following:

1. Please give me a written statement of the specific reasons for this decision. (12 CFR § 1002.9)
2. If you used a credit report, please name the credit bureau that provided it and tell me how to get my free copy. (15 U.S.C. § 1681m)
3. I dispute any wrong information in my credit report described above. Please check it, or tell me which credit bureau to send this dispute to. (15 U.S.C. § 1681i)
4. I dispute the charge described above as a billing error. Please acknowledge this notice and correct the error. (15 U.S.C. § 1666)
5. Please tell me the main reasons for this decision and what information about me it used.
6. Please have a person look at my case again. I am happy to add any facts that may help.
7. Please tell me whether an automated system or AI helped make this decision.

Please reply in writing within 30 days.

Thank you,
[your name]

----------
Sources (official text and archived copy):
- Regulation B, 12 CFR 1002.9: Notifications (statement of specific reasons)
  https://www.consumerfinance.gov/rules-policy/regulations/1002/9/
  Archived copy: https://web.archive.org/web/20260928020931/https://www.consumerfinance.gov/rules-policy/regulations/1002/9/#ef294f11e05c2618c24bf90559957c6ef5c5681669578d00cfbe6c03
- 15 U.S. Code § 1681m: Requirements on users of consumer reports
  https://www.law.cornell.edu/uscode/text/15/1681m
  Archived copy: https://web.archive.org/web/20261002124243/https://www.law.cornell.edu/uscode/text/15/1681m
- 15 U.S. Code § 1681i: Procedure in case of disputed accuracy
  https://www.law.cornell.edu/uscode/text/15/1681i
  Archived copy: https://web.archive.org/web/20260923173411/https://www.law.cornell.edu/uscode/text/15/1681i
- 15 U.S. Code § 1666: Correction of billing errors
  https://www.law.cornell.edu/uscode/text/15/1666
  Archived copy: https://web.archive.org/web/20260921220603/https://www.law.cornell.edu/uscode/text/15/1666

Prepared with the free letter tool at aiconsumerrights.org. This letter is not legal advice.

2 November 2026 To: [company or agency] Subject: Request for reasons and human review of a decision Hello, I am writing about a decision made on [date]. What happened: [what happened, in one or two sentences] I am asking for the following: 1. Please give me a written statement of the specific reasons for this decision. (12 CFR § 1002.9) 2. If you used a credit report, please name the credit bureau that provided it and tell me how to get my free copy. (15 U.S.C. § 1681m) 3. I dispute any wrong information in my credit report described above. Please check it, or tell me which credit bureau to send this dispute to. (15 U.S.C. § 1681i) 4. I dispute the charge described above as a billing error. Please acknowledge this notice and correct the error. (15 U.S.C. § 1666) 5. Please tell me the main reasons for this decision and what information about me it used. 6. Please have a person look at my case again. I am happy to add any facts that may help. 7. Please tell me whether an automated system or AI helped make this decision. Please reply in writing within 30 days. Thank you, [your name] ---------- Sources (official text and archived copy): - Regulation B, 12 CFR 1002.9: Notifications (statement of specific reasons) https://www.consumerfinance.gov/rules-policy/regulations/1002/9/ Archived copy: https://web.archive.org/web/20260928020931/https://www.consumerfinance.gov/rules-policy/regulations/1002/9/#ef294f11e05c2618c24bf90559957c6ef5c5681669578d00cfbe6c03 - 15 U.S. Code § 1681m: Requirements on users of consumer reports https://www.law.cornell.edu/uscode/text/15/1681m Archived copy: https://web.archive.org/web/20261002124243/https://www.law.cornell.edu/uscode/text/15/1681m - 15 U.S. Code § 1681i: Procedure in case of disputed accuracy https://www.law.cornell.edu/uscode/text/15/1681i Archived copy: https://web.archive.org/web/20260923173411/https://www.law.cornell.edu/uscode/text/15/1681i - 15 U.S. Code § 1666: Correction of billing errors https://www.law.cornell.edu/uscode/text/15/1666 Archived copy: https://web.archive.org/web/20260921220603/https://www.law.cornell.edu/uscode/text/15/1666 Prepared with the free letter tool at aiconsumerrights.org. This letter is not legal advice.

The sources at the end link to the official text and an Internet Archive copy.

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