If a credit item is changed or removed, the credit bureau cannot put the disputed credit information back in your credit file unless your creditor verifies its accuracy and completeness, and the credit reporting agencies give you a written notice of its intent to reinsert the credit items that includes the name, address, and phone number of the creditor. If you request, the credit bureau must send notices of any credit correction to anyone who received your credit report in the past six months. You can have a corrected copy of your credit report sent to anyone who received a copy during the past two years for employment purposes. If a credit reinvestigation does not resolve your credit dispute, ask the credit reporting agencies to include your statement of the credit dispute in your credit file and in future credit reports. In addition to writing to the credit bureau, you should tell the creditor or other information provider in writing that you dispute a credit item.
Many providers specify an address for credit disputes.
If the creditor continues to report the disputed credit item to any credit reporting agencies after receiving your notice, it must include a notice that you dispute the credit item. If you are correct that is, if the information is not accurate the creditor may not report it again. Copyright E.Q. Marketing International . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .