How do I dispute an error on my credit report? Keep copies of your dispute letter and the documents you send with it The credit reporting company you sent the dispute letter to must investigate your dispute, forward the dispute and all relevant information you provided to the company that provided the information about you, and report the results back to you
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SAMPLE LETTER: Credit report dispute - Consumer Financial Protection Bureau report dispute This guide provides information and tools you can use if you believe that your credit report contains information that is inaccurate or incomplete, and you would like to submit a dispute of that information to the credit reporting company
How long does it take to repair an error on a credit report? This free report does not count as your annual free report If the creditor or furnisher provides the wrong information to a credit reporting company and then corrects your credit report as a result of your dispute, it has a duty to forward the correction to every credit reporting company to which it has provided the incorrect information
Disputing errors on your credit reports If you find errors on your credit reports, you should dispute them with the credit reporting company (most often Equifax, Experian, or TransUnion) and the furnisher of the information
Sample letters to dispute information on a credit report If you want to dispute information on a credit report, you may need to send a dispute letter to both the institution that provided the information, called the information furnisher, as well as the credit reporting company