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Web section 609 of the fcra deals with disclosure and puts the burden of providing proper documentation on the. Web a 609 dispute letter is often billed as a credit repair secret or legal loophole that forces the credit reporting. Web learn how to use a 609 letter to dispute inaccurate entries on your credit report. This guide provides information and tools you can use if you believe that your credit report contains information that is inaccurate or.