How can I dispute errors on my credit report?

If you think there is an error on your credit report, you have the right to dispute it in the state of Minnesota. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that you think is inaccurate or incomplete. To dispute an error on your credit report, you must first contact the relevant credit reporting agency (Equifax, Experian, or TransUnion) and provide them with information to support your claim. The credit reporting agency is required to investigate your dispute and provide a response within thirty days. If the investigation finds that the information in your credit report is inaccurate or incomplete, the agency must make the correction or update the information. You also have the right to add a statement to your credit report with your side of the story to explain the dispute. You also have the right to file a dispute with the creditor who reported the information. The creditor must also investigate the accuracy of the information. If the investigation finds that the information is incorrect, the creditor must update or delete the information from your credit report. If the relevant parties are not able to resolve your dispute, you have the right to use the Credit Card Dispute Resolution Law in Minnesota. This law requires creditors to respond to customer disputes within thirty days and provides a mechanism for resolving disputes through neutral arbitration.

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How can I dispute errors on my credit report?

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