You can do this online, which is probably the easiest method, or you can write a letter and mail it to the reporting bureau that has the wrong information. Initiating a dispute online, as we’ve detailed above, is relatively simple and self-explanatory as you work through the process. Boxes can be checked and details about your problem can be briefly explained. You don’t have to be a good writer to fill out an online dispute form or to write a physical letter, although the latter can take a little more work. The CFPB has instructions on how to write a dispute letter and offers a downloadable sample letter where you select the examples that apply to your credit report. If you have all of the information in front of you, it shouldn’t take more than a few minutes to fill in the sample letter. The CFPB recommends that, if you mail a dispute, your dispute letter should include: Your contact information, including complete name, address, and phone number A report confirmation number, if available The account number for any account you’re disputing An explanation of why you’re disputing the information A request that the information is removed or corrected A copy of the portion of your credit report that contains the disputed items highlighted or circled. Send copies only, not originals.