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How to correct inaccurate or incomplete information in credit report. The law makes both the CRA and the information provider responsible for correcting inaccurate or incomplete information in your credit report.
First, tell the credit report agency in writing what information you believe is inaccurate. Credit report agencies must reinvestigate the credit recotds in question - usually within 30 days - unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the credit report agency, it must investigate, review all relevant information provided by the credit report agency, and credit report the results to the credit report agency. If the information provider finds the disputed information to be incorrect, it must notify all nationwide credit report agencies so that they can correct this information in your file.
When the reinvestigation is complete, the credit report agency must give you the written results and a free copy of your report if the dispute results in a change. If a credit record is changed or removed, the credit report agency cannot put the disputed information back in your credit file unless the information provider verifies its accuracy and completeness, and the credit report agency gives you a written notice that includes the name, address, and phone number of the provider.
Second, tell the creditor or other information provider in writing that you dispute a credit record. Many providers specify an address for disputes. If the provider then reports the item to any credit report agency, it must include a notice of your dispute. In addition, if you are correct - that is, if the information is inaccurate - the information provider may not use it again.
A reinvestigation may not resolve your dispute with the credit report agency. If that's the case, ask the credit report agency to include your statement of the dispute in your credit file and in future credit reports. If you request, the credit report agency also will provide your statement to anyone who received a copy of the old report in the recent past. There usually is a fee for this service.
If you tell the information provider that you dispute a credit record, a notice of your dispute must be included anytime the information provider reports the credit record to a credit report agency.
Note that a credit report agency may not supply information about you to your employer, or to a prospective employer, without your consent. NeitherNeither can they give your medical information to creditors, employers, or insurers without your approval.
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Return to all credit report facts
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