In order to remove inaccurate information from your credit report, you must report that information to the credit reporting agencies (CRAs) Experian, TransUnion, Equifax, and CSC Credit Services. Once you dispute the inaccurate information, the CRAs must investigate the matter and remove any inaccurate information or edit the entry to reflect your dispute.
The credit report dispute letter is a form to help you make those disputes. Remember: the more information you provide to back up your dispute, the better your changes of getting the inaccurate information removed.
Remember to keep a copy of the letter along with the information you include. If the CRAs refuse to correct the inaccurate information, you should contact a consumer lawyer for help.
You can find more forms at consumerlawyer.mn.
If you are in Minnesota, contact The Glover Law Firm, LLC, for a free case evaluation. In any other state, you can find a consumer rights lawyer using the National Association of Consumer Advocates lawyer database.
