To ensure mistakes are corrected as quickly as possible, contact both the credit bureau and organization that provided the information to the bureau. Both these parties are responsible for correcting inaccurate or incomplete information in your report under the Fair Credit Reporting Act.

Keep in mind that all three of the credit bureaus now accept the filing of disputes online, with Experian now only accepting online submissions.

Find out how to initiate a dispute online.

Begin by telling the credit bureau what information you believe is inaccurate. Credit bureaus must investigate the item(s) in question-usually within 30 days-unless they consider your dispute frivolous. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your communication should:

Clearly identify each disputed item in your report.
State the facts and explain why you dispute the information.
Request deletion or correction.