Under the Fair Credit Reporting Act (FCRA), both the credit reporting company and the creditor (or information provider) are responsible for correcting inaccurate or incomplete information in your report. If you notice errors in your credit report, take the following action:
Step One: Tell the credit reporting company, in writing, what information you think is inaccurate. A sample letter is available here. Include copies, not originals, of documents that support your position. Send your letter by certified mail, return receipt requested so you can document what the credit reporting company received.
Step Two: Tell the creditor (or information provider), in writing, that you dispute an item. A sample letter is available here. Include copies, not originals, of documents that support your position. Send your letter by certified mail, return receipt requested so you can document when and what the creditor (or information provider) received.
The information above is provided in summary. For complete details, please refer to the Federal Trade Commission’s consumer information on Disputing Errors on Credit Reports.