08/08/2023
Free Game
Credit 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.
It is important to dispute inaccurate information with both the credit reporting company that created the report and the company that first reported the inaccurate information, often
called the furnishing company. While this packet provides information about disputing inaccurate information with a credit reporting company, you can find information about disputing inaccurate information with a furnishing company at files.
consumerfinance.gov/f/documents/092016_cfpb_ FurnisherSampleLetter.pdf.
Background
You can contact the nationwide credit reporting companies online, by mail, or by phone. When disputing, refer to your credit report so that you can correctly and fully identify the information that you are disputing. Your report contains a consumer identification or report number that should be included with your dispute to allow the credit reporting company to identify you. There is no charge for submitting a dispute. Ensure the error has been removed by requesting confirmation from the consumer reporting company.
Consumer Financial Protection Bureau
Online and phone disputes EQUIFAX
Online: equifax.com/personal/credit-report- services/credit-dispute/
By phone: Phone number provided on credit report or (800) 864-2978
EXPERIAN
Online: experian.com/disputes/main.html
By phone: Phone number provided on credit report or (888) 397-3742
TRANSUNION
Online: transunion.com/personal-credit/credit- disputes-alerts-freezes.page
By phone: (800) 916-8800
Disputes by mail:
You can download each company’s dispute
form or use the letter included in this guide,
which provides the credit reporting company
with enough information to identify you and
the specific accounts or tradelines that you are disputing. To make it easier to identify the items that you are disputing, consider including a copy
of your credit report with these items marked or circled. You may also wish to include copies of any supporting documentation, such as a statement from your lender, which demonstrates the incorrect information you are disputing.
Learn more at consumerfinance.gov
The CFPB's vision is a consumer finance marketplace that works for American consumers, responsible providers, and the economy as a whole.
