How do I dispute an error on my credit report?

To dispute a credit report error, contact the credit bureau reporting the mistake (Equifax, Experian, or TransUnion) directly through their website, by mail, or by phone. You can get free reports at AnnualCreditReport.com. Submit a dispute explaining the error and include supporting documents like bank statements or payment records. The bureau must investigate within 30 days and notify you of the results. You should also dispute the error with the original creditor or lender that provided the incorrect information. If the dispute is resolved in your favor, the bureau must correct or remove the item. If not resolved satisfactorily, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.