Disputing Errors On Your Credit Reports

How do I dispute an error on my credit report?
To dispute an error on your credit report, contact both the credit reporting company and the company that provided the information.

4 Steps to dispute an error on your credit report

1. Dispute the information with the credit reporting company-

If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.

If you mail a dispute, your dispute letter should include:

Contact information for you including complete name, address, and telephone number.
Report confirmation number.
Clearly identify each mistake.
Explain why you are disputing the information.
Request that the information be removed or corrected.
Enclose a copy of the portion of your credit report that contains the disputed items and circle or highlight the disputed items.

2. Dispute the information with the company who provided the information (also known as the furnisher) -

If you would like to submit a dispute regarding the information a company provided to the credit reporting company (called a furnisher), use our instructions , along with a template letter as a guide. Examples of information furnishers are your bank, your apartment landlord, or your credit card company.

3. Gather materials to dispute errors -

Your goal is to make it as easy and quick as possible for investigators to confirm that your complaint is valid. Depending on the error, the things you gather to support your case could include:

Copies of credit card statements or loan documents
Copies of bank statements
Copies of birth or death certificates, or a divorce decree

Proof of identity

Your Social Security number and date of birth
A copy of government-issued identification (such as driver’s license or passport)
Your current address and past addresses going back two years
A copy of a utility bill or bank or insurance statement that includes your name and address

4. Review the response to your dispute -

The credit bureaus must investigate your dispute and then tell you the outcome in writing. Under most circumstances, the bureaus have to respond within 30 days.

If the credit bureau agrees it's an error - The bureau will remove the item and send you a new copy of your credit report. Review the new report to make sure it's right.

You can request that the bureau communicate the correction to anyone who received your report in the past six months. If anyone requested your credit for employment purposes in the last two years, you can ask for a corrected copy to be sent to them.

If the credit bureau disagrees - The bureau or the furnisher may disagree that the item is a mistake and refuse to remove it.

If you’re sure the item on your report is incorrect, it’s time to take it to the Consumer Financial Protection Bureau. Explain what you’re disputing and provide copies of your proof. The CFPB will look into it, and you can follow progress with the email updates it sends or by logging in to the website.

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