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Katalysst

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How do I dispute information on credit report(s)?
I haved already found inaccuracies on my credit report(s)..i.e. Verizon is not an open nor delinquent account. The account has been paid and should reflect 0 = a paid balance. I was unable to access the dispute info.on your site.

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How to dispute info

Check out this link:

https://www.creditkarma.com/article/dispute-credit-report-errors

Step 3 on that link is where the info you need starts.

Disputes can be filed online through the Equifax, Experian and TransUnion websites.

This link http://www.consumerfinance.gov/askcfpb/314/how-do-i-dispute-an-error-on-my-credit-report.html provides links to download PDF file dispute forms for TransUnion and Equifax.  This link also has contact info:

1)  Equifax
Online: www.ai.equifax.com/CreditInvestigation

By mail: Click here to download the dispute form

Mail the dispute form with your letter to:

Equifax Information Services LLC

P.O. Box 740256

Atlanta, GA 30374

By phone: Phone number provided on credit report or (800) 864-2978

2)  Experian

Online: www.experian.com/disputes/main.html

By mail: Use the address provided on your credit report or mail your letter to:

Experian

P.O. Box 4000

Allen, TX 75013

By phone: Phone number provided on credit report or (888) 397-3742

3)  TransUnion

Online: www.transunion.com/personal-credit/credit-disputes-alerts-freezes.page

By mail: Click here to download the dispute form

Mail the dispute form with your letter to:

TransUnion Consumer Solutions

P.O. Box 2000,

Chester, PA 19022-2000

By phone: (800) 916-8800

Good tips from that link: 

If you submit a dispute by mail, your dispute letter should include your:

  • Complete name
  • Address
  • Telephone number
  • Report confirmation number, if available
  • Account number for any account you may be disputing

Tip: You should clearly identify each mistake, state the facts, explain why you are disputing the information, and request that it be removed or corrected.

In your letter, you may want to enclose a copy of the portion of your credit report that contains the disputed items and circle or highlight the disputed items. You should include copies (not originals) of documents that support your position.

Send your letter of dispute to credit reporting companies by certified mail and ask for a return receipt, so that you will have a record that your letter was received.

Also I would suggest that if you contact any of them by phone keep at least a handwritten or some type of electronic record of the conversation including:

1)  Date of the call - Full date...do not leave off the year

2)  Time of the call - Include the time zone and AM or PM

3)  The number you called

4)  The name of the person you spoke to

5)  Important points of the conversation - Who said what?  Is something further required of you?  If so, when is the deadline for you to complete the requirement? 

6)  At the end of the conversation recap the important points of the conversation back to the person you spoke to and specifically ask the question "Do you agree that this is an accurate recap of our conversation?"  If they hem-haw around with a response something like "Pretty much", gently press them by asking to please point out what was inaccurate about your conversation recap as you want to be sure you are keeping accurate records.

BE NICE!  Trust me that almost always works best.

Good luck!

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The three credit bureaus are Transunion, Equifax and Experian and they all have websites and you will find instructions on how to dispute incorrect info on your reports.

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