How do I dispute inaccurate information on my credit report?

If you live in Washington and have inaccurate information on your credit report, you can dispute it with the Collection Defense Law. This law gives consumers the right to challenge and dispute any wrong information on their credit report. The first step is to request a copy of your credit report. You can do this by writing to the major credit bureaus – Equifax, Experian, or TransUnion – or by visiting annualcreditreport.com. You should carefully review your report for any inaccurate information. Once you’ve identified any incorrect information, you should send a dispute letter to the credit reporting agency. In the letter, you should include the disputed item, your name, address, phone number and a statement explaining why you think the information is incorrect. If you have any documentation to back up your dispute, such as supporting documentation from creditors, you should include copies of it. You should also ask for a corrected credit report. After submitting your dispute letter, you should wait 30 days for the credit reporting agency to investigate your claim. The agency will send you a corrected copy of your credit report if they find any errors. If, on the other hand, the credit reporting agency doesn’t make any changes, you can file a formal dispute with the Consumer Financial Protection Bureau. The Collection Defense Law in Washington provides consumers with the right to dispute inaccurate information on their credit report. By reviewing your credit report, submitting a dispute letter and filing a formal dispute if necessary, you can help ensure that your credit report is accurate.

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How do I dispute inaccurate information on my credit report?

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