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How to File a Credit Report Dispute

Finding an error on your credit report can be stressful, especially knowing how much your credit score can affect your financial future. Fortunately, disputing inaccuracies is your legal right — and thanks to tools like DisputeTitan, the process can now be faster and easier than ever.

Step-by-Step: Filing a Credit Report Dispute

1. Identify the Error
Review your credit reports from the three major bureaus — Equifax, Experian, and TransUnion — to spot inaccuracies like incorrect account statuses, fraudulent accounts, or outdated information.

2. File a Dispute With the Credit Bureau
You can file a dispute online, by mail, or by phone, though written disputes (online or mailed) are best because they create a clear paper trail.

Here’s where to file:

Be sure to include:

  • A clear explanation of the error
  • Supporting documentation
  • Your name, address, and a copy of your ID if needed

If mailing, use certified mail with return receipt to confirm delivery.

3. Contact the Furnisher (Optional but Recommended)
Also notify the original source of the error — like your bank or lender — with the same dispute letter and documents. This helps ensure they also correct the information on their end.

4. Wait for the Investigation
The credit bureau has 30–45 days to investigate. They’ll reach out to the furnisher, assess your claim, and inform you of the result. If the error is confirmed, you’ll get a free updated credit report.

5. Follow Up if Needed
If your dispute is rejected:

  • Ask the bureau to include a statement of dispute on your report
  • Resubmit with additional evidence
  • File a complaint with the Consumer Financial Protection Bureau (CFPB)
  • Consult a legal professional if the issue is unresolved and impacting your credit

Automate the Process With DisputeTitan

Manually writing letters, gathering documents, and tracking deadlines can be overwhelming. DisputeTitan is a tool designed to automate credit report disputes, making the process smoother and more efficient.

With DisputeTitan, you can:

  • Automatically identify errors across your credit reports
  • Generate professional dispute letters tailored to each bureau or furnisher
  • Upload and attach supporting documents easily
  • Track dispute status and get reminders for follow-ups

Whether you’re correcting one error or several, DisputeTitan simplifies every step — helping you take control of your credit without the paperwork headache.

Take action today: Review your credit, file a dispute, and let tools like DisputeTitan do the heavy lifting.