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How-to · Consumer help

Dispute an error on your credit report

Dispute a credit-report error with both the reporting company and the company that supplied the incorrect information.

Steps

3 steps
  1. Write to the reporting companyExplain what is wrong and why, and include copies of supporting documents. Use CFPB’s template if helpful.
  2. Write to the information furnisherUse the address on your report or the company’s designated dispute address. Send the dispute in writing by certified mail.
  3. Review the investigation resultYou should receive written results and an updated credit report after the investigation. Check whether the disputed information was corrected.

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