If you have noticed a debt on your credit report, and it appears incorrect because it is not past due, or it is inflated, you need to file a written dispute to the credit reporting agency and the original creditor too. DO NOT file an online dispute with the credit reporting agencies because this may…
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HOW TO FILE A CREDIT REPORT DISPUTE
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 …
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