Errors can be committed on the part of an individual, a financial institution or the credit bureau (Equifax) and they can be rectified by following a simple procedure.
Identification of error – The first step to resolve an error is to identify it. As a consumer, you should observe the report and point out errors, if any.
Reporting error – Once an error has been identified, it is your duty to alert the relevant authority. If an error has occurred on part of a financial institution, you should let them know the nature of the error. The credit bureau can make changes in a credit report only after the error has been rectified by the financial organization.
Timeline – After an error has been identified and reported, the respective institution or bureau is expected to make changes within 30 days, failing which a consumer can approach an ombudsman to get the errors rectified.
Intimation - In cases where it is not possible to rectify any errors, the bureau will intimate you about the same. Changes which have been implemented will also be communicated, helping you stay abreast of the latest happenings.
Dispute Resolution Form -  If you find an error in your credit report, you can use the Dispute Resolution Form to rectify it. This form should be filled and submitted to the bureau. An individual should provide supporting documents like self-attested address and ID proof and post it to the Equifax office.