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 bureau gives you a written notice that includes the name, address, and phone number of the provider. Also, if you request, the credit reporting agencies must send notices of corrections to anyone who received your report in the past six months. Job applicants can have a corrected copy of their 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 credit bureaus to include your statement of the dispute in your file and in future reports. Second, in addition to writing to the credit reporting agencies, 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 bureaus, it must include a notice of your dispute. The items I dispute are also encircled on the attached copy of the report I received. Even if you've been turned down before.