how to dispute a credit report error

You can dispute credit report errors for free by contacting both the credit reporting company and the business that supplied the inaccurate information.

Prepare your documentation. Gather evidence such as bank statements, payment confirmations, or identification. Create copies of these documents—never send originals—and highlight the specific errors on a copy of your credit report.
Contact the credit bureaus. Submit your dispute to each credit bureau that contains the error. You can typically do this online, by phone, or by mail using the contact information found on your credit report.
Contact the information furnisher. Contact the company that provided the incorrect information (the furnisher), such as your bank or lender. They are also required to investigate and must notify the credit bureaus if they find an error.
Wait for the investigation results. Credit bureaus generally have 30 days to investigate. If they find the information is inaccurate, they must correct or remove it and notify you of the results in writing.