Follow Up. Demand Accuracy. Protect Your Middle Credit Score®.
Second (Reinvestigation) Dispute Letter:
If you’ve already disputed an item on your credit report and the bureau failed to fix the error—or simply responded “verified” without proof—the next step is to send a Second (Reinvestigation) Dispute Letter.
This follow-up letter formally requests that the credit bureau reopen the investigation and provide proper verification under Section 611 of the Fair Credit Reporting Act (FCRA).
At Middle Credit Score®, we help consumers take control of their credit with free, compliant dispute templates.
You can find this and every other essential letter inside our Credit Dispute Letters Support Center, where each template is designed to help you assert your rights under federal law.
🔍 When to Use a Second (Reinvestigation) Dispute Letter
Send this letter if:
- You’ve already disputed an item, but the bureau’s response was incomplete or inaccurate.
- You have new evidence or documents that weren’t included in your first dispute.
- The bureau failed to remove unverifiable information.
- You received a “verified” result but were not told how the item was verified.
This letter reminds the bureau that they must conduct a reasonable reinvestigation and cannot simply recycle their previous findings.
💡 Why This Letter Matters
Credit bureaus handle thousands of disputes every day—and errors often slip through the cracks.
A Second Dispute Letter signals that you’re serious about compliance and willing to document every step.
By sending it, you:
- Reassert your right to a fair, independent reinvestigation.
- Provide additional documentation that strengthens your claim.
- Build a clear paper trail for escalation to the Consumer Financial Protection Bureau (CFPB) or your State Attorney General if needed.
- Protect your Middle Credit Score® from ongoing damage caused by inaccurate data.
Persistence pays off—many consumers see corrections after the second contact because it requires the bureau to re-verify the data from scratch.
🧭 Step-By-Step: How to Send
- Gather all prior dispute correspondence and responses.
- Highlight the unresolved or incorrectly “verified” items.
- Customize the Second (Reinvestigation) Dispute Letter below with updated information and any new documentation.
- Attach copies (never originals) of your evidence, ID, and proof of address.
- Send the letter by certified mail with return receipt and keep copies for your records.
Credit bureaus must complete this reinvestigation within 30 days and notify you in writing of any deletions or corrections.
🔗 More Free Credit Repair Tools
Visit the Credit Dispute Letters Library for additional templates, including follow-ups, verification requests, and goodwill adjustment letters.
Learn how to maintain a healthy Middle Credit Score® through budgeting, credit management, and education at the Middle Credit Score® Academy.
🧠 Bottom Line
A Second (Reinvestigation) Dispute Letter is your next-level strategy when the first dispute doesn’t deliver results.
It reinforces your rights, pressures credit bureaus to verify data correctly, and safeguards your Middle Credit Score® from the impact of unresolved reporting errors.
Second (Reinvestigation) Dispute Letter:
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Credit Bureau Name]
[Address]
Re: Request for Reinvestigation – Continuing Inaccuracy on Credit Report
Dear [Credit Bureau Representative],
This letter serves as a follow-up to my prior dispute dated [original dispute date] regarding inaccurate information on my credit report. Despite your response, the reported information remains incorrect. I am therefore requesting a reinvestigation of this item in accordance with Section 611 of the Fair Credit Reporting Act (FCRA).
The disputed item is [describe the account and specific inaccuracy]. I have attached new or additional documentation supporting my claim, including [e.g., payment records, bank statements, or correspondence with the creditor].
If you are unable to verify the information through independent evidence, please remove it from my file immediately. Otherwise, provide a written explanation of how the data was verified and the name of the furnisher that confirmed it.
Please complete your reinvestigation within the statutory 30-day period and send me an updated copy of my credit report upon completion.
Thank you for your time and 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 creditor may have its own 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.
