How to Prepare a Credit Report Dispute

Describe the item precisely

Identify the bureau and the account or field you want corrected. Explain what the report shows and what your supporting record shows. For example, if a report shows a late payment, identify the month and compare it with the corresponding payment confirmation.

Gather the documents that support the correction

Use copies of the relevant report section and records such as a statement, payment receipt, or account-closure letter. Keep the originals. Follow the bureau’s instructions on what to include and which official submission channels it accepts.

Use official channels and keep a record

The CFPB recommends contacting the credit reporting company and the company that supplied the information. Keep a copy of what you submitted, any confirmation, and the response. When the process concludes, check the updated report against the specific correction you requested.

Official source

• CFPB guidance on disputing credit report errors