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First, tell the CRA in writing what information you believe is
inaccurate. CRAs must reinvestigate the items in question – usually
within 30 days — unless they consider your dispute frivolous. They
also must forward all relevant data you provide about the dispute to
the information provider. After the information provider receives
notice of a dispute from the CRA, it must investigate, review all
relevant information provided by the CRA, and report the results to
the CRA. If the information provider finds the disputed information to
be inaccurate, it must notify all nationwide CRAs so that they can
correct this information in your file.
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