How to Dispute a Credit Report Error
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit report, and you can do it yourself, for free.
Your Right to Dispute
The FCRA gives consumers the right to dispute information they believe is inaccurate, incomplete, or unverifiable directly with the credit bureau reporting it, or with the company that furnished the information.
How to File a Dispute
- Identify the specific inaccurate item and gather any supporting documentation
- Submit your dispute directly with the credit bureau reporting the error, in writing, describing exactly what's wrong
- Keep copies of everything you submit and any confirmation of receipt
What Happens After
Under the FCRA, the bureau must generally investigate your dispute within a set window of time rather than an indefinite period, check current CFPB guidance for the exact timeframe, since we intentionally avoid stating a specific number of days here to ensure accuracy. If the disputed item can't be verified as accurate, it must be corrected or removed.
What to Do If the Dispute Is Denied
You can add a statement of dispute to your file, request the bureau's specific method of verification, or file a complaint with the CFPB if you believe the investigation wasn't handled properly.
Results vary based on individual circumstances. This information is educational and not a guarantee of outcome. Consult a credit counselor or attorney for advice specific to your situation.
Related Articles
Sources
- Fair Credit Reporting Act, 15 U.S.C. 1681i (procedure in case of disputed accuracy)(opens in a new tab)
- CFPB. How do I dispute an error on my credit report?(opens in a new tab)
- CFPB. Regulation V, 12 CFR part 1022(opens in a new tab)
- AnnualCreditReport.com. Free credit reports from the three nationwide bureaus(opens in a new tab)
Federal rules are cited directly. State law varies, so state-specific timelines and exemptions should be confirmed with your state's statutes or a local attorney.