Credit Reporting agencies (CRAs) such as Experian, Trans Union, and Equifax provide credit reports to companies as a resource to evaluate your eligibility for credit, insurance, residential rental housing, employment, and more.

If you discover inaccurate information on your credit report, under the Fair Credit Reporting Act, consumers must dispute inaccurate information directly to the Credit Reporting Agencies. The Credit Reporting Agencies must then notify the Creditors (also known as furnishers) that published the disputed information. Thereafter, The Fair Credit Reporting Act (FCRA) requires that the Credit Reporting Agencies and the Creditor conduct an investigation and provide the consumer with a response to their dispute within 30 days. If you obtain your credit report through, the dispute process may take up to 45 days.

If you are concerned that you have been the victim of identity theft, please notify the credit reporting agencies so that a freeze can be placed on your credit file.

How to Dispute Errors on My Credit Report

Step 1: Complete dispute letter

  • Complete a separate letter for each Credit Reporting Agency that is reporting the inaccurate information. Please review your credit reports carefully with each Credit Reporting Agency to determine what inaccurate information is reporting on each report. We have provided the below template to help you draft your dispute letters.



Your name
Your address
Your city, state, zip code

Name of CRA [Equifax, Experian, Trans Union] Address
City, state, zip code

RE: Your name
Your Social Security Number
Your Date of Birth

To whom it may concern:

I am writing to dispute the following inaccurate information that appears on my credit report. I am listing each account followed with why this information needs to be corrected:

[Account name] [Account number] [How it should report / Why it is inaccurate*] [Account name] [Account number] [How it should report / Why it is inaccurate*]

I demand that you investigate my credit file and correct the inaccurate information that I have noted above. When you have completed your investigation, please send me a copy of my credit report that shows the exact information that you would give to someone who was considering me for a loan or credit account.

Please forward a copy of this letter to your furnisher customers when you convey my disputes. If you are not willing to do so, please immediately provide me with the names, addresses, and telephone numbers of the people that you deal with so that I can send them a dispute myself.

Also, please call me immediately if you need or will accept additional information to support my disputes. My daytime phone number is (insert daytime phone number).

Before you continue to report any further inaccurate information, please contact me at the above address in order that I may supply you with any other information that you may find helpful. Also, you may call me immediately if you need or will accept additional information to support my disputes.


(sign here)

Make copies of all letters before mailing for your personal records.

Step 2: Mail each dispute letter to each Credit Reporting Agency via certified mail, return receipt requested. It is also suggested that you send a photocopy of your driver’s license or identification along with your letter to verify your identity.

TransUnion LLC
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
(800) 916-8800

Equifax Information Services, LLC
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
(866) 349-5191

Experian Nat’l Consumer Assistance Center
P.O. Box 4500
Allen, TX 75013
(888) 397-3742

The Fair Credit Reporting Act (FCRA) requires the consumer reporting agencies to investigate and return the results of its investigation to you within 30 days.

Speak to a Consumer Attorney Immediately

If the incorrect information continues to be reported on your credit report, it is important to speak to an attorney who understands the various rights provided to you by the Federal Fair Credit Reporting Act (FCRA). Please contact us, and we will be happy to discuss your potential claims. Please complete our online form or contact us at 1-877-FCRA-LAW (1-877-327-2529)

Firm News And Updates

Class action settlement provides $489 million in relief to victims of illegal internet payday lenders
After three years of extensive litigation, the settlement will provide relief to approximately 555,000 consumers who were subject to illegal practices by internet payday lenders. FOR IMMEDIATE RELEASE: May 12, 2022   Richmond, VA – The federal court in Richmond today gave...
Donna Winters Selected by Virginia Lawyers Weekly for Unsung Legal Heroes 2021
Congratulations to Donna Winters, one of our Lead Paralegals, for being selected by Virginia Lawyers Weekly for Unsung Legal Heroes 2021! Click the link below to learn more about the award:  
The National Trial Lawyers Announces Kevin Dillon as One of Its Top 40 Under 40 Civil Plaintiff Trial Lawyers in Virginia
The National Trial Lawyers is pleased to announce that Kevin Dillon of Consumer Litigation Associates, PC has been selected for inclusion into its Top 40 Under 40 Civil Plaintiff Trial Lawyers in Virginia, an honor given to only a select...