Then, deliver it to:
The credit scoring agency (Equifax, Experian, or TransUnion)
The info provider that provided the inaccurate information towards the credit reporting agency. These providers consist of banking institutions and creditors.
The credit scoring agency (CRA) in addition to information provider are responsible for fixing your credit file. This consists of any inaccuracies or information that is incomplete. The duty to repair any mistakes falls underneath the Fair credit rating Act.
If the written dispute will not have the mistake fixed, you are able to register a issue with all the customer Financial Protection Bureau (CFPB).
Negative Information in A Credit File