After the information provider receives notice of a dispute from the Credit Bureaus, it must investigate, review all relevant information provided by the Credit Bureaus, and report the results to the Credit Bureaus. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide Credit Bureaus so that they can correct this information in your file. When the reinvestigation is complete, the Credit Bureaus 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 Bureaus cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the Credit Bureaus 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 Bureaus, 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 Bureaus. If that's the case, ask the Credit Bureaus to include your statement of the dispute in your file and in future reports. If you request, the Credit Bureaus also will provide your statement to anyone who received a copy of the old report in the recent past.