If information in a credit report is inaccurate, start by collecting supporting documents and describing the specific error. The CFPB explains that you generally should contact the credit reporting company and the business furnishing the information. Keep copies and track dates. The CFPB dispute guide provides instructions and a sample letter. This article does not advise disputing accurate information or promise removals.
What you can do next
Review your own documents carefully, use reputable primary sources, and choose steps appropriate to your circumstances.
Reviewed for introductory educational use in October 2026. This is general information, not individualized legal or financial advice.