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. The specific law regarding disputes is found in US Code, Title 15, Chapter 41, Subchapter III, Section 1681i, entitled Procedure in case of disputed accuracy . You now need to write a letter to each credit reporting agency, requesting an investigation to verify the status of the most damaging item reported by any of the agencies, and asking that they correct the information. A sample letter is on the bottom of the page.