A credit report error can happen due to inaccurate reporting of a credit account or a clerical error in the report.
If you send your dispute by mail, you can expect the credit bureau to take up to 30 days to investigate and respond.
If an investigation doesn't resolve your dispute with the credit reporting company, take the following steps.
You can ask for a brief statement of the dispute in your file to be included or summarized in future credit reports.
You can also file a complaint highlighting the issue with the Consumer Financial Protection Bureau (CFPB).
This is if you believe the credit reporting company has violated your rights under the Fair Credit Reporting Act (FCRA).
The CFPB will forward your complaint to the credit reporting company and work to get a response.
If you still disagree with the results of the dispute, you can contact the furnisher of the information directly.
Get in touch with them and ask them to correct their reporting mistake before contacting the credit bureau.