 TITLE: Identity Theft Victim Assistance CONTENT: Dispute Inaccurate Information\n------------------------------\nIf you've confirmed criminal credit activity, reported it to appropriate law enforcement and government agencies and secured your credit report with a credit freeze or fraud alert, you can then focus on getting the inaccurate information removed from your credit reports.\nEach of the national credit bureaus has its own procedure for requesting removal or correction of inaccurate information, a process known as a dispute. If the same inaccuracy appears on multiple credit reports, you'll need to submit disputes to each bureau separately to get its report corrected.\nWhen you submit a dispute to Experian, Experian takes the following steps:\n*   Experian verifies the information you've identified as fraudulent with the creditors or data furnishers that reported the information.\n*   Upon receipt of a valid police report or state-approved identity-theft form, which you can submit by mail or upload electronically at the Experian Fraud Center, Experian blocks alleged fraudulent information from view by creditors or others using your credit report to check your credit. This allows you to continue to apply for loans or credit without being penalized for fraudulent entries on your report.\n*   Experian must complete an investigation and report back to you within 30 days (or 45 days if information on your credit report is disputed). The report will indicate:\n    *   Whether lenders have verified the activity you reported as fraudulent (and what their investigation found).\n    *   Any action that has been taken in response to the lender's response to the verification request—including removal of fraudulent entries, revision of entries that reflected fraudulent activity, or (if the lender concluded there was no fraud) restoration of the disputed entries without change.\n    *   In case disputed credit-report entries are not changed to your satisfaction, the report will also provide information on pursuing your dispute further by working with the lender(s) in question. END