You can dispute information in a credit report that you believe is inaccurate or incomplete. The CFPB says you should contact both the credit reporting company and the business that supplied the information, when applicable.
1. Describe the item precisely
Record the credit reporting company, the account or entry, the specific detail you believe is wrong and what you believe is correct. Avoid sending original documents; keep them for your own records.
2. Gather supporting records
Useful records may include a payment confirmation, account statement, identity-theft report or correspondence with the lender, depending on the issue. Keep copies of what you send and when you sent it.
3. Submit the dispute
Use the reporting company’s dispute process and, if appropriate, contact the company that supplied the information. Explain your concern clearly and attach copies of relevant evidence. The CFPB provides instructions and sample letters.
4. Review the outcome
Read the investigation result and check whether your report changed. If the issue remains unresolved, the CFPB explains further options, including submitting a complaint. Do not pay a third party simply to exercise your right to dispute an error yourself.
Sources and review
Based on CFPB dispute guidance ↗ and CFPB guidance on accurate negative information ↗. Last editorial review: September 2026.