Dispute

Occasionally, credit reports contain incorrect information. This may be due to an error or could be a sign that fraud or identity theft has occurred.

How to Dispute Information on Your Credit Report

To dispute something on your credit report, you should contact the credit bureau that issued the credit report.The fastest way to resolve errors on your Experian credit report is by filing a dispute online. Alternatively, you can write a letter that details the disputed information and states the desired action you’d like the credit bureau to take.

Once you’ve made your dispute known, the credit bureau will investigate your claim and forward your dispute to the organization that provided the information. The source of the disputed information must also investigate. If it turns out information is inaccurate, the providing organization will notify all three credit bureaus, so they can correct the information on your credit report.

Credit Challenges When You Share a Name

September 10, 2013

Dear Experian, I am writing from an employee assistance program company. We help employees find answers and resources to deal with various personal problems. An employee from one of our...

Updating the Address on Your Credit Report When Moving

August 29, 2013

Dear Experian, I recently purchased a house. My address has been changed with the bank, DMV, USPS, etc. However, I tried to get a new cell phone and was told...

Separating Credit Reports of Father and Son

August 17, 2013

Dear Experian, How do you go about repairing credit when it has been commingled with your son? Both father and son have the same name. - ILB

Removing Ex-Spouse’s Address from Your Credit Report

July 3, 2013

Dear Experian, I had you remove my ex-wife's address from my report, and now it is back on there. I need to know why, and I would like it to...

Dispute Results Letter is Sent Automatically

July 3, 2013

Dear Experian, Can I get a letter about the results of a dispute after the 30 day mark? I am trying to buy a house and they need the letter....

Liable for Balanced Owed on Deleted Account

May 8, 2013

Dear Experian, Am I still liable for an account that I disputed and that was deleted from my credit report? - MGB

Update the Mailing Address on Your Credit Report

March 27, 2013

Dear Experian, I don't have any open credit accounts, so how do I inform Experian of my new home address? - VLK

Company Suing After Account Deleted from Credit Report

February 13, 2013

Dear Experian, Last year, I disputed an account with you and the other CRAs. About a month after the dispute, you and the other CRAs deleted that item off my...

Deleting Accounts Because of Permanent Disability

February 13, 2013

Dear Experian, I was put on permanent disability between 2009 and 2010. I remember reading on some of my credit contracts that they would be dissolved in case of permanent...

Child’s Student Loans Appearing on Credit Report

January 30, 2013

Dear Experian, My wife got her credit report and an address that is not ours showed up. We need it removed along with two school loans that are not ours...

It’s Free to Dispute Information on Your Credit Report

December 19, 2012

Dear Experian, We want to fix our credit report, but when we called Experian we were told that we would have to pay money for it. Why do you say...

How to Remove an Incorrect Address from Credit Report

October 24, 2012

Dear Experian, You have me listed at an address I have never lived at. How is this removed? -DNW

Charges Sent to Collection in Error

June 6, 2012

Dear Experian, I disputed a charge off on my credit report and have a letter from the company stating the "charges were sent to collections in error," how can I...

Mistakenly Reported as Deceased

December 21, 2011

Dear Experian, I am listed as deceased on my credit history. How can I change that? - CAG

Steps for Removing a Tax Lien Filed in Error

November 23, 2011

Dear Experian, I had a lien on my account in 1999 from the state of South Carolina for payroll tax. I have a letter from them stating that the lien...