Stage 5
File a CFPB complaint.
If Rounds 1 through 4 haven't resolved it, a federal complaint applies real pressure — bureaus and furnishers prioritize CFPB complaints. This page helps you gather and organize everything before you file.
- ✓Information RequestFCRA §609
- ✓Direct DisputeFCRA §611
- ✓Method of VerificationFCRA §611(a)(6)(B)(iii)
- ✓Direct Furnisher DisputeFCRA §623(a)(8)
- 5CFPB Complaint →consumerfinance.gov/complaint
What you'll need
- ✓Copies of every dispute letter you've already sent (Rounds 1–4)
- ✓Certified mail receipts / tracking numbers for those letters
- ✓Any written responses from the bureau or furnisher
- ✓A copy of the credit report section showing the disputed item
- ✓Government-issued ID and proof of address (bureaus/CFPB may request these)
Build your complaint package
This organizes what you'll paste into the official CFPB form — it doesn't submit anything for you.
Attach your documents
Drag files here, or click to browse
Dispute letters, bureau responses, certified mail receipts, ID, proof of address
Ready to file
File directly on the official CFPB site — paste in the description and category above, and attach the documents you gathered here. Filing is always free.
Go to consumerfinance.gov/complaint →Prefer our team to prepare and file it with you? Contact us.