How do I dispute an error on my credit report?
Dec 12, 2024 · You have the right to dispute errors on your credit report. Fixing an error generally means contacting both the credit reporting company and the company that provided the information.
What if I disagree with the results of my credit report dispute?
Jan 29, 2024 · When consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. You have rights under federal law if this happens to …
How long does it take to repair an error on a credit report?
Sep 19, 2025 · If you dispute an error on your credit report, a credit reporting company generally must investigate the dispute within 30 days of receiving it. They have five business days after completing …
§ 1022.43 Direct disputes. - Consumer Financial Protection Bureau
This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court …
Credit reports and scores - Consumer Financial Protection Bureau
Jul 14, 2025 · Note: You should submit a dispute directly to both the credit reporting company that sent you the report and the company that provided the information. If you've already tried reaching out to …
If you find errors on your credit reports, you should dispute them with the credit reporting company (most often Equifax, Experian, or TransUnion) and the furnisher of the information.
CFPB Orders Equifax to Pay $15 Million for Improper Investigations of ...
Jan 17, 2025 · The CFPB took action against Equifax, the nationwide consumer reporting agency, for its failure to conduct proper investigations of consumer disputes.
Submit a complaint | Consumer Financial Protection Bureau
Oct 15, 2025 · If another agency would be better able to assist, we'll send it to them and let you know. Most companies respond within 15 days. See how the complaint process works Watch this short …
Can a debt collector still collect a debt after I’ve disputed it?
Dec 9, 2024 · If you still disagree about whether a debt is yours or whether the information or amount is accurate, you may continue to dispute the debt with the debt collector. If you find the disputed debt …
If I dispute a debt, how does that show up on my credit report?
Nov 7, 2023 · Disputed debt appears on credit reports. However, a credit bureau generally will not use it to calculate credit scores until the investigation is completed. For this reason, some lenders may not …