When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If you request, the CRA must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in future reports. In addition to writing to the CRA, you should tell the creditor or other information provider in writing that you dispute an item.
Many providers specify an address for disputes.
If the provider continues to report the disputed item to any CRA after receiving your notice, it must include a notice that you dispute the item. If you are correct that is, if the information is not accurate the information provider may not report it again. Trade Commission Equal Credit Opp. When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information generally can stay on your report for seven years.