Contact the credit bureau (as instructed on your credit report) and indicate why you think the information is incorrect (take good notes and follow up all phone calls with a letter documenting the discussion). The credit bureau will then check with the source of the information and notify you of the results. Unless your dispute is frivolous or irrelevant, the credit bureau must investigate the matter and correct mistakes. If they cannot verify information, it must be deleted from your file. If you disagree with the results of the credit bureau’s investigation, you may file a brief dispute statement explaining your side of the story. At your request, the credit bureau will note your dispute in future credit bureau reports.
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