Could your debt be reduced or forgiven? Take our financial relief quiz. The main goal of a 609 dispute letter is to challenge a credit reporting agency to provide proof that a delinquency exists.

The CFPB provides formatted letter templates to help you write a letter to a creditor to dispute a debt. You may also need to contact the credit bureaus ... CFPB's list of sample letters.

A 609 dispute ... credit report in the past two years unless it was for an investigation. All of the information in your ...