Client Education
Credit Reporting Disputes: Common Client Questions
A useful dispute identifies a specific inaccuracy, explains why it is wrong and includes relevant supporting records. These answers outline the process without assuming that every negative entry is inaccurate or legally actionable.
- Reading time:
- 2 min
Who should receive my dispute?
The CFPB recommends disputing with the credit reporting company and the company that provided the information, often called the furnisher. If the issue appears on more than one bureau report, address each affected bureau.
Use the current dispute instructions and addresses provided by the bureau or furnisher. A general complaint to an unrelated company is not a substitute for identifying the affected reporting.
What should I include?
Identify the disputed account and the exact information you believe is wrong. Explain what correction you seek and include copies, not originals, of documents that support your position. Keep a complete copy of the submission and delivery or confirmation records.
For a post-discharge issue, relevant records may include the discharge order, case documents and the report showing the disputed entry. Do not assume the discharge order alone establishes every account’s treatment.
How long does an investigation take?
Credit reporting companies generally investigate disputes within 30 days, although some circumstances allow 45 days. The applicable timeline depends on the circumstances, including additional information submitted during the investigation. Keep the response and compare the updated report with the original issue.
What if the information is verified or remains wrong?
Read the result carefully and check whether it actually addresses the disputed detail. Preserve the response and any new supporting evidence. A CFPB complaint or attorney consultation may be appropriate if a documented inaccuracy remains unresolved.
A verified entry is not automatically lawful, and an unfavorable response is not automatically a legal violation. The documents, investigation and applicable law require individual review.
Do I need to pay to dispute an error?
Consumers can dispute credit reporting errors themselves without purchasing a credit repair subscription. Paid services cannot lawfully make accurate information disappear merely because it is negative. If you hire an attorney, discuss the scope and fee terms before agreeing to representation.