What to do when credit report error probe fails?

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A credit report error can happen due to inaccurate reporting of a credit account or a clerical error in the report.

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If you send your dispute by mail, you can expect the credit bureau to take up to 30 days to investigate and respond.

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If an investigation doesn't resolve your dispute with the credit reporting company, take the following steps.

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You can ask for a brief statement of the dispute in your file to be included or summarized in future credit reports.

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You can also file a complaint highlighting the issue with the Consumer Financial Protection Bureau (CFPB).

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This is if you believe the credit reporting company has violated your rights under the Fair Credit Reporting Act (FCRA).

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The CFPB will forward your complaint to the credit reporting company and work to get a response.

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If you still disagree with the results of the dispute, you can contact the furnisher of the information directly.

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Get in touch with them and ask them to correct their reporting mistake before contacting the credit bureau.

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