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If the furnisher determines that the information is accurate and does not update or remove the information, you can request the credit reporting company to include a statement explaining the dispute in your credit file.

This statement will be included in future reports and provided to whoever requests your credit report. Do not include sensitive information like your name, contact information, account number, or social security number in this field. The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically.

This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs. Learn how the CFPB can help you. To dispute an error on your credit report, contact both the credit reporting company and the company that provided the information.

Dispute the information with the credit reporting company. If you mail a dispute, your dispute letter should include: Contact information for you including complete name, address, and telephone number Report confirmation number, if available Clearly identify each mistake, such as an account number for any account you may be disputing Explain why you are disputing the information Request that the information be removed or corrected Enclose a copy of the portion of your credit report that contains the disputed items and circle or highlight the disputed items.

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