If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice of its intent to reinsert the items that includes the name, address, and phone number of the provider. 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. Click here for your free credit report Click here to get a FREE copy of your online credit report from one of the three national credit bureaus, along with 30 FREE days of the CreditCheck Monitoring Service.