If there's an error in your credit report, you can submit a written statement of 100 words or less to the reporting agency. The law requires the reporting agency to review the accuracy and completeness of the disputed information within 45 days and respond to you. The reporting agency must also add your statement of protest to all future credit reports until the disputed information is confirmed, corrected, supplemented or deleted. After confirming, correcting, supplementing or deleting the disputed information, the reporting agency must give you with an updated credit report and share it with any party who received a report about you in the past six months, unless you request otherwise.  Last reviewed: June 2024