How to File a Complaint About My Credit Report

A credit report is a documented record of a consumer's payment history regarding bills with creditors, banks, and other financial institutions. Child support and student loan payments may also appear on a credit report. Credit reports are administered by three major agencies: Experian, Transunion and Equifax. In addition to receiving credit reports from these agencies, you can also contact them with complaints.

Instructions

Procedures

1

Obtain copies of your credit report free of charge from each of the three major credit agencies by visiting Annualcreditreport.com or by calling 877-322-8228. Have the following information available: your name, address, Social Security number and date of birth. Prepare to answer questions for security purposes, such as the amount of your mortgage payment or your previous address.

2

Make notes of erroneous information on any of your credit reports once you obtain them. Write a letter listing all the facts and explain in detail why you dispute the information. Include any evidence, such as copies of receipts, canceled checks and bills, to support your point. Request that these items be removed from your credit report.

3

Make a copy of your letter and store it in a safe place. Send the original letter by certified mail to the appropriate credit agency, to ensure that the credit bureau receives it and to be sure of the date the company receives it.

4

Wait at least 30 days to hear from the credit bureau regarding your complaint. Check the credit report sent back to you to ensure that any misinformation has been deleted or corrected.