Upload your tri-merge credit report. We automatically find unauthorized inquiries, generate your FTC dispute package, and create professional dispute letters for Equifax, Experian, and TransUnion — ready to mail in minutes.
Don't have a credit report yet? Get your tri-merge report from IdentityIQ above — then come back to start.
$20
Per Inquiry Filed
3
Bureaus Covered
35
Day Process
100%
FCRA-Based
We handle the hard part. You just upload, review, and mail.
Upload your IdentityIQ tri-merge PDF. We instantly extract every inquiry across all 3 bureaus.
Review the inquiries we found. Select which to dispute. Pay just $20 per inquiry filed — no subscriptions.
Enter your info and we automatically file your FTC Identity Theft Report and CFPB complaints — no forms to fill out yourself.
Download your dispute letters or have us mail them directly to the bureaus. Bureaus are required to investigate your dispute within 30 days.
Automated FTC Identity Theft Report
We file your report at IdentityTheft.gov automatically in the background — you just enter your info and we return your confirmation number.
Automated CFPB Complaints
We simultaneously file complaints with the Consumer Financial Protection Bureau against all 3 bureaus for maximum regulatory pressure.
Professional Dispute Letters
Ready-to-mail letters for Equifax, Experian, and TransUnion citing FCRA 605B (15 U.S. Code § 1681c-2) — bureaus must act within 4 business days.
Complete Mailing Packets
Dispute letter + FTC cover letter packaged per bureau, personalized with your info and confirmation numbers.
Secure Document Vault
Your driver's license, SSN card, and utility bill are stored securely. Required by bureaus to process dispute packets.
Optional Physical Mailing
Don't want to go to the post office? We'll mail each packet directly to the bureau via USPS on your behalf.
No subscriptions. No hidden fees. Transparent pricing.
per inquiry filed
You only pay when you're ready to process inquiries
Individual experiences vary. Results are not guaranteed.
“Had 12 unauthorized inquiries. DisputeRight handled the FTC filing, CFPB complaints, and all 3 bureau letters automatically. Best money I've spent on my credit.”
Marcus T.
“The letters cited the right FCRA statutes and all the government filings were automated — I didn't have to figure out a single form myself. Very professional service.”
Jasmine R.
“Super easy process. Uploaded my report, selected the inquiries, paid, and downloaded my packet in under 10 minutes.”
David M.
What type of credit report do I need?
You need a tri-merge credit report from IdentityIQ.com, which shows inquiries from all three bureaus (Equifax, Experian, TransUnion) in one PDF. We include a direct link to get yours if you don't have one.
Which inquiries can be disputed?
Unauthorized hard inquiries that are not attached to open accounts may qualify for dispute under the FCRA. If an inquiry is associated with an active account you opened, it generally cannot be disputed — but we help you identify which ones to submit.
Do I have to file the FTC report myself?
No — we do it for you. After you enter your personal info, our system automatically fills out and submits your FTC Identity Theft Report at IdentityTheft.gov and files CFPB complaints against all 3 bureaus simultaneously. You just enter a one-time verification code the FTC texts you.
Why do I need to upload my ID documents?
The credit bureaus require a copy of your government ID, SSN card, and a recent utility bill to verify your identity before processing dispute packets. These documents are stored encrypted and never shared.
What if a bureau refuses to remove an inquiry?
We also provide instructions for filing a CFPB (Consumer Financial Protection Bureau) complaint. This adds significant regulatory pressure and often results in removal even when a bureau initially refuses.
Create a free account and start in minutes. You only pay when you're ready to process.