Tips on disputing errors on your credit report
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• Contact lenders. Another option: Reach out to the lender on the account where the error showed up and ask that they update the credit bureaus with correct information.
• Contact the CFPB. Not getting anywhere with the credit bureaus? Try the Consumer Financial Protection Bureau, a federal agency with the authority to write and enforce rules for the credit reporting industry and to monitor the compliance of the three agencies. Consumers can file a credit reporting complaint online at www.consumerfinance.gov/complaint or by phone by calling (855) 411-CFPB (2372).
• Avoid credit repair firms. The Federal Trade Commission has warned consumers against firms that offer services claiming to improve a person's credit report for a fee. Such firms can't do anything that you couldn't do yourself.