Under Connecticut law, the cost for your report may not exceed $5.30 for the first disclosure and not more than $7.95 for subsequent requests during that same 12-month period. You have a right to receive a record of all inquiries relating to a credit transaction initiated within the past 12-month period. We must convey your request for investigation to the source of the information within five business days after receiving your request. We must complete the investigation of your dispute within 30 business days, or 45 business days if you provided us with additional information concerning the dispute. You may request the company name, address and telephone number of anyone contacted during the investigation. After an investigation, if you have reviewed your credit report with us and are not satisfied, you may contact the Connecticut Department of Banking. You have a right to bring civil action against anyone who knowingly or willfully misuses file data or improperly obtains access to your file.
The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.
Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.
To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through December 31, 2022 at AnnualCreditReport.