MyDisputeKit
CASE FILE · FCRA §609 / FDCPA §809 / FCBA §161

Dispute inaccurate negative items with a documented, strategic process.

MyDisputeKit opens a case file the bureaus and furnishers are legally required to act on — statute-cited letters, correct routing, certified-mail tracking, response deadlines logged.

See a sample case file

Free to open · No card · Not a law firm

CASE CONSOLE · LIVE
CASE #DK-204881
EQUIFAX
DK-204881
FCRA §609
DELIVERED
T+02d
EXPERIAN
DK-204882
FCRA §611
AWAITING RESPONSE
T+11d
TRANSUNION
DK-204883
FDCPA §809
ITEM REMOVED
T+27d
NEXT DEADLINE — EXPERIAN · 19 DAYS
50
STATES MAPPED
200+
STATUTES INDEXED
30 DAYS
AVG RESPONSE WINDOW
USPS
CERTIFIED-MAIL TRACKING
01
Cite the statute.

Every letter quotes the section that governs the dispute — bureaus and furnishers respond on a different clock when the citation is correct.

02
Route to the right address.

We maintain the bureau dispute-department addresses and the furnisher complaint addresses the CFPB actually uses.

03
Track the response.

Certified-mail receipts, statutory deadlines, and bureau responses logged on a single case timeline.

DISPUTE PIPELINE

Five stages. One documented case.

  1. STAGE 01
    Intake

    Pick a dispute type. We pull the matching statute and the correct recipient.

  2. STAGE 02
    Evidence

    Upload statements, IDs, prior correspondence — stored as case exhibits.

  3. STAGE 03
    Drafting

    Statute-cited letter assembled with your facts; you review and approve.

  4. STAGE 04
    Certified Dispatch

    Mailed via USPS certified with return receipt. Tracking attached to the case.

  5. STAGE 05
    Bureau Response

    Response logged. Deadline missed? We escalate with a follow-up letter.

CASE INTELLIGENCE

The work the law actually requires.

Statute Engine

Letter language is selected from the section that actually governs your situation — not generic templates.

FCRA · FDCPA · FCBA · 50-state UDAP
Bureau Routing

Every dispute lands at the correct department with the correct case header. No bounced mail, no wrong-recipient delays.

EQ · EX · TU · CFPB-mirrored furnishers
Documentation Vault

Statements, photos, prior letters, USPS receipts — kept as a clean evidentiary record for the life of the case.

Encrypted · Per-case exhibits
Response Tracker

Statutory deadlines surface on your timeline. Missed responses auto-suggest the right follow-up.

30-day · 45-day · escalation triggers
TWO DOSSIERS

Money you're owed. Marks you didn't earn.

DOSSIER · CONSUMER

Charges that shouldn't be there.

FCBA §161FTC Act §5State UDAP

Wrongful card charges, refund refusals, surprise medical bills, withheld deposits, stuck subscriptions.

Open dossier
DOSSIER · CREDIT

Marks that shouldn't be on your report.

FCRA §609FCRA §611FDCPA §809

Inaccurate collections, charge-offs, late marks, debt validation, goodwill removal, re-aging challenges.

Open dossier
EXHIBIT A · SAMPLE CASE FILE

What a documented dispute looks like.

EXHIBIT A.1 — DISPUTE LETTER (REDACTED)
Equifax Information Services LLC
P.O. Box 740256 · Atlanta, GA 30374
— — —
Re: Dispute under 15 U.S.C. §1681i (FCRA §611)
Consumer: ████████ ██████
SSN (last 4): ████
The following tradeline is reported inaccurately and must be reinvestigated and, absent verifiable documentation from the furnisher, deleted pursuant to §611(a)(5)(A):
Account: ████████████
Balance: $2,418 · Status: COLLECTION
Disputed basis: account never opened by consumer.
Demand: deletion within the 30-day window prescribed by §611(a)(1)(A), with written notice of results.
EXHIBIT A.2 — BUREAU RESPONSE TIMELINE
  1. T+00d
    Letter generated · certified-mail label printed
  2. T+02d
    USPS receipt scanned · case marked DELIVERED
  3. T+19d
    Bureau acknowledges investigation
  4. T+27d
    Tradeline deleted · updated report issued
OUTCOME · ITEM REMOVED · 27 DAYS
REFERENCE

Statutes, deadlines, common questions.

MyDisputeKit drafts a letter that cites the specific statute that governs your situation — FCRA §609 for inaccurate credit-report items, FDCPA §809 for unverified collection debt, FCBA §161 for billing errors — addresses it to the correct department at the correct bureau or furnisher, and tracks the response window the law gives them to reply.

A 609 letter invokes Section 609 of the Fair Credit Reporting Act, which obligates a credit bureau to disclose the source documentation behind a tradeline. If the bureau cannot produce verifiable records, the item must be deleted. We use 609 framing on inaccurate collections, charge-offs, late marks, and duplicate accounts. Read more in /credit-repair.

Within 30 days of a collector's first contact, you can demand validation under FDCPA §809(b). The collector must cease collection until they produce evidence of the debt and their authority to collect it. We generate the letter, format it for certified mail, and log the 30-day clock.

Bureaus have 30 days under FCRA §611 to investigate and respond (45 if you submit additional documentation mid-investigation). Furnishers typically respond inside 30–45 days. We surface every deadline on your case timeline so nothing slips.

Yes. The FCRA, FDCPA, and FCBA are consumer-rights statutes — you are entitled to dispute inaccurate items yourself. MyDisputeKit prepares documents you sign and send. We are not a law firm and do not provide legal advice.

Most disputes are paperwork, deadlines, and statute citations — exactly what a documented process is for. If your matter involves litigation, identity theft requiring an FTC affidavit, or amounts above your state's small-claims limit, consult a licensed attorney.

A goodwill letter asks a creditor to remove an isolated late payment from an otherwise clean account, as a one-time courtesy. It is not a legal demand — success depends on tone, history, and timing. We include a goodwill template alongside the formal dispute track.

Credit Karma monitors. Repair agencies upcharge for paperwork. MyDisputeKit is the documented case file: statute-cited letters, the correct mailing address, certified-mail tracking, response logging — for the price of postage. See /pricing.
CASE OPEN — AWAITING INTAKE

Open your case file.

The bureaus respond on a different clock when the letter cites the right statute. We do that part.

See pricing

Free to open · No card · Not a law firm