What should I do if I find incorrect information on my credit report?

If you find incorrect information on your credit report in South Carolina, you should first contact the credit reporting agency and dispute the information directly. Under the Credit Card Dispute Resolution Law, credit reporting agencies have the responsibility to investigate and correct any errors on a credit record. You should provide specific information about the error that you found, as the credit reporting agency will need evidence to investigate the dispute. This can include proof of payment, a cancelled check, or credit card statements. You should also include a letter explaining the error, and any other information that you have that may be relevant. If the credit reporting agency does not resolve the dispute, you can contact the appropriate state or federal agency to file a formal complaint. Each state has its own laws regarding credit card dispute resolution, so it is important to be sure that you are familiar with the laws in South Carolina as they pertain to filing a complaint. Finally, if all else fails, you may choose to file a lawsuit against the credit reporting agency or pursue other legal remedies. You should consult with a knowledgeable attorney before taking this step to ensure that your rights are protected.

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What should I do if I find incorrect information on my credit report?

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