{"id":36,"date":"2011-11-08T10:23:16","date_gmt":"2011-11-08T15:23:16","guid":{"rendered":"https:\/\/yourfaircreditlawyernow.com\/?p=36"},"modified":"2019-06-22T12:47:18","modified_gmt":"2019-06-22T16:47:18","slug":"how-you-can-dispute-inaccurate-equifax-trans-union-and-experian-credit-reports","status":"publish","type":"post","link":"https:\/\/yourfaircreditlawyernow.com\/?p=36","title":{"rendered":"How do I dispute inaccurate Equifax, Trans Union, or Experian credit reports?"},"content":{"rendered":"

Mail a written credit dispute letter along with supporting documentation to the credit reporting agency that reports the inaccurate information.\u00a0 The letter should include your identifying information (name, date of birth, social security number) , an identification of the inaccurate information, a description why the information is inaccurate, and any documents that support why the information reported is inaccurate.\u00a0 If you wish to discuss your letter before mailing it to the credit reporting agency, please call me at 703-390-2905.\u00a0<\/strong><\/p>\n

The reason you want to send this is information is related to the provisions of the Fair Credit Reporting Act (FCRA).\u00a0 Under the FCRA, a consumer must initiate the dispute of an inaccurate credit report directly through a credit reporting agency (CRA) in order to trigger the liability provisions of the act.\u00a0This means that\u00a0you must send your credit report dispute letter including documents related to your dispute to\u00a0the credit reporting agency (typically Equifax, Trans Union, and Experian).\u00a0You may also want to provide a copy of the dispute\u00a0to the furnisher of the\u00a0incorrect information, but\u00a0providing the information directly to the furnisher will not trigger your right to file a lawsuit.\u00a0\u00a0After the\u00a0CRA receives the dispute,\u00a0it has a duty to send a notice of the dispute to the furnisher\u00a0of the information.\u00a0 Under the FCRA, both a CRA and a furnisher have a duty to conduct a “reasonable investigation” of the information that you have disputed.\u00a0 Because reasonableness can often be in the eye of the beholder, certain information\u00a0will increase the chances that an investigation of your credit report dispute will be resolved in your favor.<\/p>\n

First, a good dispute letter should clearly identify your name, address, social security number, and date of birth.\u00a0 By providing this information, you reduce the chance that the CRA can claim that they could not locate your credit information in their data base.<\/p>\n

Second, you should clearly identify the account(s) that you are disputing as well as describe the facts supporting your position why the credit reporting is incorrect.\u00a0 Often times a CRA can claim that they do not want to resolve disputes between you and a third party furrnisher.\u00a0 To\u00a0minimize this argument, you can\u00a0identify the facts that demonstrate why your position is clearly correct and\u00a0reference as many documents as necessary to demonstrate why the information reported is inaccurate.\u00a0 You should also include the supporting documentation as part of your dispute package. Letters, invoices, and\/or contracts involving the furnisher of disputed information can make for good proof of your argument.\u00a0 In the event that you are a victim of identity theft, you should also include an identity theft affidavit, police report, and\/or identification of the police report number\u00a0with the\u00a0investigating\u00a0officer named.\u00a0 For information about dealing with the affects of identity theft, please review this post on what to do if you are an identity theft victim<\/a>.<\/p>\n

Third, include a statement that describes how the inaccurate credit reporting is hurting you and request that the CRA take\u00a0immediate action\u00a0to solve your problem.\u00a0 Whether that means correcting an inaccurate account, deleting a judgment that is not yours, or removing a false criminal conviction from an inaccurate employment credit report, you should request that the CRA stop reporting the inaccurate information.\u00a0 If you have lost a job because of an inaccurate\u00a0employment credit\u00a0report or lost a mortgage because of an inaccurate credit report,\u00a0I would tell the CRA the details in the dispute letter.<\/p>\n

Finally, I recommend that you personally sign your letter, make a copy of the signed letter including the attachments for your records, and mail the letter via both first class mail and certified mail return receipt requested.\u00a0 The Federal Trade Commission also publishes information that you can consult when disputing inaccurate information which is located at http:\/\/www.ftc.gov\/bcp\/edu\/pubs\/consumer\/credit\/cre21.pdf.<\/a>\u00a0 If you ever have any questions, you can also contact me.<\/p>\n","protected":false},"excerpt":{"rendered":"

Mail a written credit dispute letter along with supporting documentation to the credit reporting agency that reports the inaccurate information.\u00a0 The letter should include your identifying information (name, date of birth, social security number) , an identification of the inaccurate information, a description why the information is inaccurate, and any documents that support why the … Continue reading How do I dispute inaccurate Equifax, Trans Union, or Experian credit reports?<\/span> →<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6,24],"tags":[4,22,17,5,21],"class_list":["post-36","post","type-post","status-publish","format-standard","hentry","category-disputes","category-faq-credit-reports","tag-credit-disputes","tag-frequently-asked-questions","tag-herndon-credit-report-lawyer","tag-inaccurate-reports","tag-reston-credit-report-attorney"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=\/wp\/v2\/posts\/36","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=36"}],"version-history":[{"count":25,"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=\/wp\/v2\/posts\/36\/revisions"}],"predecessor-version":[{"id":392,"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=\/wp\/v2\/posts\/36\/revisions\/392"}],"wp:attachment":[{"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yourfaircreditlawyernow.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}