 TITLE: What Can’t You Dispute on Your Credit Report? CONTENT: What Can Be Disputed on a Credit Report?\n----------------------------------------\nEssentially anything in the bankruptcy public records and accounts sections of your credit report can be disputed. For example, if you have a bankruptcy, a third-party collection account or an account with a lender on your credit report you feel is incorrect in any way, you can file a dispute with the credit reporting agency on whose report the information appears.\nYou can also dispute inaccurate PII, such as a name misspelling or an address with which you are unfamiliar.\nIf, after submitting a dispute, the data furnisher discovers that they are reporting incorrect information to the credit reporting agencies, they must correct it with all three of them. While the lender should update the information automatically, if changes are made, it can be a good idea to check the other credit bureaus just to be sure.\nIt is often beneficial to file a dispute directly with the company reporting the information, also known as the data furnisher, prior to contacting the credit reporting agencies. This is sometimes referred to as a \"direct\" dispute because you are filing your dispute directly with the lender or other business that reports the information to the credit bureaus. Notifying the lender that you believe an account is being reported inaccurately can help you get the information corrected more quickly.\nThe process of filing a dispute is relatively simple, and free. If you see information that you believe to be incorrect, you will identify those items, provide a basis for your dispute, and then submit the dispute online, via the U.S. mail or via a telephone call. Equifax and TransUnion have similar dispute processes to Experian. If an item is deemed to be inaccurate and is corrected or removed, the data furnisher who provided the inaccurate information must notify all three credit bureaus so they can update their records.\nExperian will not only investigate the allegedly incorrect information but will also update your credit file if the information is deemed incorrect once the investigation has been completed. You will then receive the investigation results. END