According to the Federal Trade Commission, credit reporting agencies are not required to process disputes submitted by third parties. Under federal law, if you believe any item on your credit report is inaccurate or incomplete, and you notify us directly, we will reinvestigate the information at no cost to you.

How do I file a dispute with credit bureau?

Send a credit report dispute letter detailing your complaint to the credit bureau who reported the error. The letter should include copies (not originals) of documents that support your claim. Provide your name and address, and call attention to each disputed item in your report.

Who do I call if my credit report is wrong?

You can dispute by calling toll-free to (800)-916-8800(800)-916-8800. You should have a copy of your TransUnion Credit Report before calling this telephone number. The credit report will contain a File Identification Number (FIN) that you will need.

Where can I file a complaint about a credit report?

You can file a complaint about a credit reporting agency with the Consumer Financial Protection Bureau (CFPB). The CFPB will forward your complaint to the agency and try to get a response. If the CFPB thinks another government agency would be better able to help you, it will forward your complaint to that agency and let you know.

What to do if your credit report is incorrect?

If the creditor that furnished the incorrect or incomplete information fails to revise it or advise the credit reporting agency of a correction (or if it advises the credit reporting agency of the adjustment, but then reports the erroneous information again later), you can file a complaint with the Federal Trade Commission (FTC).

Is the CFPB taking complaints on credit reporting?

— Today the Consumer Financial Protection Bureau (CFPB) began accepting consumer complaints about credit reporting, giving consumers individual-level complaint assistance for the first time at the federal level. “Credit reporting companies exert great influence over the lives of consumers.

What to do if you have a complaint about a company?

If you have a complaint about a company or its business practices, the FTC wants to know. Use our online complaint assistant or call 1-877-FTC-HELP. Contact your local consumer protection office to report frauds and scams or to get help with a consumer complaint.