SECTION 609 · 15 U.S.C. § 1681g · FREE TIER
Get Your Free 609 Letter — Equifax Dispute Letter, Generated in Minutes
A Section 609 letter is one of the most effective first moves in a credit dispute. It forces the credit bureau to disclose exactly what it knows about you and where that information came from — before you dispute a single item. Federal 609 generates your first 609 letter, addressed to Equifax, completely free. No account. No credit card. Nothing leaves your browser.
Generate My Free 609 Letter →What a Section 609 Letter Actually Does
Section 609 of the Fair Credit Reporting Act gives every consumer the right to request a full disclosure of their credit file — not just the score, but every piece of data the bureau holds and the source it came from. When a furnisher cannot produce clean documentation for an account, that account becomes vulnerable to a follow-up dispute under Section 611. That's why a 609 letter is often sent before, not instead of, a standard dispute.
Federal 609 builds this letter for you automatically from the information you provide, formats it as a ready-to-mail Word document addressed to Equifax, and gives you a clear next step if the bureau's response doesn't hold up.
Frequently Asked Questions
What is a free 609 letter?
A free 609 letter is a dispute letter written under Section 609 of the Fair Credit Reporting Act (15 U.S.C. § 1681g). It requests that a credit bureau disclose the full contents of your consumer file, including the source of every item it is reporting. Federal 609 generates one of these letters for you at no cost, addressed to Equifax.
Is this really free, or is there a catch?
The first letter — one Section 609 disclosure request addressed to Equifax — is completely free with no account required. Additional items, all three bureaus, or Section 611/623 letters are available on paid tiers starting at $9.99.
How is a 609 letter different from a regular dispute letter?
A standard dispute letter (Section 611) asks a bureau to investigate and correct or delete a specific item. A 609 letter instead demands that the bureau show you the underlying documentation and data source behind an item.
Will a 609 letter guarantee an item is removed from my credit report?
No. Only inaccurate, incomplete, or unverifiable information can legally be removed. Accurate, verifiable negative information will remain on your report regardless of any dispute.
Do I need my Social Security number or personal data stored anywhere to use this?
Federal 609 is browser-only. The information you enter stays in your browser's session storage and is never transmitted to or stored on a Federal 609 server.
How long does Equifax have to respond to a 609 letter?
Once a credit bureau receives a written dispute or disclosure request, federal law generally requires it to respond within 30 days (extendable to 45 days in some cases).