Under the Fair Credit Reporting Act (FCRA), the credit reporting agencies must reinvestigate information disputed by consumers. The credit bureaus are required to send your dispute to the data furnisher. Then, the company who supplied your information to the credit reporting agencies (the data furnisher) needs to investigate the dispute. You cannot sue the data furnisher under the FCRA until you have filed your dispute to the credit bureaus.
WHERE TO FILE YOUR WRITTEN CREDIT REPORT DISPUTES
TRANS UNION, 555 W. Adams , Chicago, IL 60661
EXPERIAN, 701 Experian Parkway, Allen, TX 75013
EQUIFAX, 1550 Peachtree St. NW , Atlanta, GA 30309
CSC TELECHECK SERVICES, INC., 5251 Westheimer, Houston, Texas 77056
CREDIT SERVICES, PO BOX 619054, DALLAS, TX 75261-9054
INNOVIS, 250 E. Town Street, Columbus, Ohio 43215
CHEX SYSTEMS, 7805 Hudson Road, #100, Woodbury, Minnesota 55125
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