Credit Report Error

FCRA

Steps

Dispute in writing with the credit bureau (Equifax, Experian, TransUnion) AND the furnisher (e.g. your bank). Furnishers generally must investigate and respond within 30 days. Bureau must forward your dispute to the furnisher and report results back. If it rules the dispute frivolous it must send notice within 5 business days. If the furnisher says it's accurate, you can add a statement to your file. Escalate: CFPB complaint; identity theft: IdentityTheft.gov.

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ICO guidance on correcting your credit file (Data Protection Act 2018 / UK GDPR)

Response deadline

"By law the agency must tell you within 28 days of your letter if it has: removed the entry from your file; amended the entry; or taken no action."

Notice of correction

If the agency doesn't reply within 28 days, or replies but takes no action, you can ask it to add a "notice of correction" — a statement of up to 200 words explaining why you think the entry is wrong, which will be seen by anyone who looks at that entry.

Escalation

You can contact the Information Commissioner if the issue isn't resolved. If the agency considers a notice of correction incorrect, defamatory, frivolous or otherwise unsuitable for publication, it must pass it to the Information Commissioner, who will order what notice, if any, should be added.

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