To dispute inaccurate information on your credit report, notify both the credit reporting company and the information provider in writing. Send a letter to the address on your credit report stating what you are disputing, why it is an error, and include copies of documentation proving the information is inaccurate. Including a copy of the credit report, with the error highlighted, may also be helpful. It is recommended to send your dispute by certified mail, “return receipt requested,” to ensure the company received your letter.
More information, sample dispute letter templates, and further instructions on how to dispute errors on your credit report can be found on the Federal Trade Commission’s (FTC) website here: https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports
