Dispute Inaccurate Public Records and Protect Your Middle Credit Score®.

Public Record Dispute Letter

Public records—like bankruptcies, judgments, tax liens, or civil claims—can have a serious impact on your creditworthiness.
If any of these records appear on your credit report in error or remain after being dismissed or satisfied, the Public Record Dispute Letter helps you formally challenge and correct them.

At Middle Credit Score®, we provide consumers with free, easy-to-use letter templates that simplify the credit repair process.
You’ll find this letter and dozens more inside our Credit Dispute Letters Support Center, designed to help you fix errors under the Fair Credit Reporting Act (FCRA) without hiring outside companies.

🔍 When to Use a Public Record Dispute Letter

Send this letter when:

• A bankruptcy, judgment, or lien is incorrectly reported or outdated.
• A satisfied judgment or discharged bankruptcy still shows as active.
• The same public record is listed multiple times.
• The court record belongs to another individual with a similar name or Social Security number.

Under the FCRA, credit bureaus are responsible for ensuring that public record data is accurate and verifiable. When errors occur, this letter initiates a formal reinvestigation.

💡 Why This Letter Matters

Public records are among the most damaging items that can appear on your credit report—and they can stay there for years if not corrected.
By using this letter, you:

• Demand verification of the accuracy and legal status of the record.
• Ensure outdated or unverifiable public records are deleted.
• Protect your Middle Credit Score® from unnecessary long-term impact.
• Maintain the credibility lenders expect when evaluating your financial profile.

Removing or correcting inaccurate public record data can lead to immediate score improvements and fairer loan evaluations.

🧭 Step-By-Step: How to Send

1. Gather your court documents showing the dismissal, discharge, or satisfaction of the record.
2. Highlight the inaccurate entry on your credit reports from Experian, Equifax, and TransUnion.
3. Complete the Public Record Dispute Letter below, listing all supporting details.
4. Attach copies (not originals) of your documentation and identification.
5. Mail your letter by certified mail to each credit bureau reporting the error.

Bureaus typically have 30 days to verify the public record’s accuracy or remove it from your credit file.

🔗 More Free Tools to Protect Your Credit

For additional letter templates and guides, visit our
➡️ Credit Dispute Letters Library. You can also explore educational resources in the ➡️ Middle Credit Score® Academy. to understand how corrected records can strengthen your Middle Credit Score® over time.

🧠 Bottom Line

A Public Record Dispute Letter is essential for anyone facing incorrect or outdated court data on their credit report.
Correcting these records ensures your financial profile reflects accuracy, fairness, and the credit integrity you’ve worked hard to build.

Public Record Dispute Letter:

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

[Credit Bureau Name]
[Address]

Re: Incorrect Public Record – Request for Deletion or Correction

Dear [Credit Bureau Representative],

Upon reviewing my credit report, I noticed an inaccurate public record entry that does not reflect my true financial history. Specifically, the record listed as [e.g., “Bankruptcy Case #XXXXXX filed on 04/15/2017”] is incorrect or has been resolved but continues to appear on my report.

Enclosed are supporting court documents confirming the dismissal/discharge/resolution of the case. Under the Fair Credit Reporting Act (FCRA), this information must be promptly corrected or removed if inaccurate or unverifiable.

Please reinvestigate and update my report accordingly, then send me written confirmation of your findings and an updated credit report.

Thank you for your prompt attention.

Sincerely,
[Your Signature]
[Your Printed Name]

⚖️ Disclaimer

The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau or court record agency may have its own verification procedures, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.