There have been instances when a CRA will refuse to change the information in a credit report even though there is evidence that demonstrates that it is inaccurate. A consumer has a few options at that point. They can file a complaint with either the CFPB or the FTC. A person should provide the same information to these entities and explain the problem and the response from the CRA. Consumers should also reach out to a consumer rights lawyer who has experience confronting CRAs over these types of discrepancies. The lawyer will, if necessary, take the matter to court to force the CRA to clean up a person’s credit report.