Contact Us for a Free Consultation 414.377.0515

How Do I Dispute My Credit Report

To dispute an error or inaccuracy on your credit report, follow these steps:

  1. Obtain a copy of your credit report from one or all three of the major credit reporting agencies (Equifax, Experian, and TransUnion).

  2. Review your credit report for errors or inaccuracies. These may include incorrect personal information, accounts that do not belong to you, accounts that have been closed but still appear as open, or late payments that were actually made on time.

  3. Write a dispute letter to the credit reporting agency that shows the error, explain why you believe it is an error, and provide any supporting documentation that you have.

  4. Send the dispute letter and supporting documentation to the credit reporting agency via certified mail with return receipt requested. Keep a copy of the letter and all documentation for your records.

  5. The credit reporting agency is required to investigate your dispute within 30 days and respond to you in writing with the results of the investigation. If they find that the information is inaccurate, they must correct it and send a corrected copy of your credit report to you and any lenders who have recently requested your credit report.

  6. If the credit reporting agency does not correct the error, you may need to follow up with additional letters or seek legal assistance.

It's important to note that you can also dispute errors online or by phone, but sending a dispute letter via certified mail with return receipt requested can provide proof that you sent the dispute and ensure that the credit reporting agency received it.

You can read more about possible outcomes from your case, here. We provide representation in cases in Wisconsin, including Racine, Kenosha, Green Bay, Appleton, the Fox Valley, Milwaukee, West Allis, Waukesha, Walworth County, Dane County, Madison, La Crosse, Eau Claire, Superior, Ashland, and anywhere in-between. We offer online scheduling for appointments. 


The DeLadurantey Law Office, LLC is committed to answering your questions about Vehicle Repo's, Credit Report/Identity Theft, Auto Fraud, and Debt Collection Abuse law issues in Wisconsin.

We offer free consultation and look forward to discussing your case. Contact us today to schedule an appointment.

DeLadurantey Law Office, LLC
Mon: 08:00am - 05:00pm
Tue: 08:00am - 05:00pm
Wed: 08:00am - 05:00pm
Thu: 08:00am - 05:00pm
Fri: 08:00am - 05:00pm