After the information provider receives notice of a dispute from the Credit Reporting Agencies, it must investigate, review all relevant information provided by the Credit Reporting Agencies, and report the results to the Credit Reporting Agencies. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide Credit Reporting Agencies so that they can correct this information in your file. When the reinvestigation is complete, the Credit Reporting Agencies must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the Credit Reporting Agencies cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the Credit Reporting Agencies gives you a written notice that includes the name, address, and phone number of the provider. Second, tell the creditor or other information provider in writing that you dispute an item.
Many providers specify an address for disputes.
If the provider then reports the item to any Credit Reporting Agencies, it must include a notice of your dispute. In addition, if you are correct that is, if the information is inaccurate the information provider may not use it again. A. A reinvestigation may not resolve your dispute with the Credit Reporting Agencies. If that's the case, ask the Credit Reporting Agencies to include your statement of the dispute in your file and in future reports. If you request, the Credit Reporting Agencies also will provide your statement to anyone who received a copy of the old report in the recent past.