- Clearly identify the inaccurate information on your credit report and dispute it, IN WRITING, with both the CRC that issued the report with inaccurate information and any creditors with which the information is associated.
- For more information, review the FTC's summary on disputing credit errors: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm
- If accurate information is not removed or reappears, you may wish to consult with a private attorney regarding possible legal actions.
- Here is contact information for the 3 credit reporting agencies and links to their web pages informing consumers how to dispute inaccurate information:
Equifax - www.equifax.com
To report fraud, call: 1-800-525-6285
and write: P.O. Box 740241, Atlanta, GA 30374-0241
For information on disputing errors, you may visit:
www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=elearning_credit13
Experian - www.experian.com
To report fraud, call: 1-888-EXPERIAN (397-3742)
and write: P.O. Box 9532, Allen TX 75013
For information on disputing errors, you may visit:
www.experian.com/disputes/index.html (online dispute form)
TransUnion - www.transunion.com
To report fraud, call: 1-800-680-7289
and write: Fraud Victim Assistance Division
P.O. Box 6790, Fullerton, CA 92834-6790
For information on disputing errors, you may visit:
www.transunion.com/content/page.jsp?id=/personalsolutions/general/data/DisputeCreditReport.xml
- If you believe you are a victim of ID theft, ask for a "fraud alert" to be placed on your file and request that no new credit be granted without your express, personal approval. Ask how long your account will be flagged. Record the expiration date of the fraud alert, and call back as this date approaches if you wish the alert to remain on your file. Review the Attorney General's Consumer Alert on ID theft for further information: www.michigan.gov/ag/0,1607,7-164-17343_18163-80479--,00.html
