Credit Fix Score.com - Credit Report    

incomplete information in your credit report. To exercise your rights under this law, you must dispute the information (that you believe is wrong) with the bureau as well the information provider.

   1. Notify the credit bureau, in writing, what information you think is inaccurate.

Notify the credit bureaus in writing about the inaccurate items in your report that you wish to dispute and the reasons why you believe that the items in question are erroneous. You must also enclose all the relevant paperworks (not original) that support your claims. Credit bureaus must investigate the disputed items usually within 30 days — unless they consider your dispute as frivolous.

After receiving your dispute letter, the bureau must forward all the relevant information that you provide about the inaccuracy to the information provider. Once the information provider receives the notice of dispute from the bureau, it must start an investigation to verify the accuracy of the information. Once the investigation is done, the information provider must report the results back to the bureau. If the investigation reveals that the disputed information is inaccurate, then the information provider it must notify all the three nationwide bureaus so that they can correct the information in your file.

After receiving the results of the investigation the bureau must send you a free copy of your report with the changes.

2. Inform the information provider in writing that you dispute an item.

There are many providers who specify the address for disputes. So, send your dispute in writing with all the documents (not original). In case the provider reports the item to a bureau even after receiving your dispute then it must include a notice of your dispute. And if the information is found to be inaccurate then the information provider must not report it again.