Find the inaccuracy on your credit reports or statements from the creditor
Identify the correct name, account number and address of the creditor/furnisher reporting the inaccurate information on your credit report by reviewing the report. All this information should be contained in one or more sections of the report. If it is known creditor of yours, you may also find the information in your billing statements.
Send a letter disputing the inaccurate information by mail
Write a legible letter to the creditor/furnisher, identifying yourself, the account, the inaccurate information and the consumer reporting agency where the information is showing. Describe in detail why the information is inaccurate. If you have any documentation to support your dispute, provide a copy. Sign the letter. Keep a copy of the letter and all enclosed documents. Send the letter by certified return receipt mail. If you have a billing statement, you may find an address for "billing inquiries" or disputes, and that is a good address to use. Don't use the payment address, as your correspondence will probably never get reviewed at that address.
Consider disputing the information with the credit reporting agency
If you have not already done so, consider sending a dispute to the consumer reporting agency. If the creditor has not corrected the entry after your dispute to the creditor, it must at least notify the consumer reporting agencies to whom it has reported this information that you dispute the accuracy of the information. If the creditor fails to tell the consumer reporting agency that you dispute the information, the creditor is likely in violation of Federal consumer protection laws.
