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Identity Theft – How To Dispute Your Credit Report

Disputing Information on Credit Reports

According to the Federal Trade Commission, “Under the FCRA, both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.”

The FTC instructs consumers to alert the credit agencies and the creditors in writing, sending by certified mail, the information you think is inaccurate on your credit report.

Each of the three main credit reporting agencies, TransUnion, Experian and Equifax, have instructions on their websites about initiating a dispute. The credit reporting agencies and the information providers must investigate any dispute, and generally conclude the investigations within 30 days of receiving your request. You can be notified by mail or email the results of the investigation, and you can add a note of any dispute to your credit report, even if they decide not to remove the information in dispute.

For more information on disputing inaccuracies on your credit report, visit:


Visit the Federal Trade Commission’s consumer information site for detailed instructions on the dispute process, as well as sample letters to send to credit reporting agencies and creditors.


We will address this and more issues in our continued identity theft series:

  • How long do you have to sue after discovering identity theft?


*Nothing on this website should be considered legal advice. This does not create an attorney-client relationship between you and this law firm.


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Flora Templeton Stuart

Flora Templeton Stuart is the lead attorney and founder of the law firm Flora Templeton Stuart Accident Injury Lawyers, established in 1976. She is a nationally recognized personal injury lawyer with over 40 years of experience. Her story has been featured on Fox, The New York Times, ABC, Time, and NBC.