Dispute a fact, not an outcome
A dispute should identify information believed to be inaccurate or incomplete. It should not demand deletion merely because the information is negative, and it should never claim identity theft unless identity theft actually occurred.
- Identify the account and reporting company
- Quote or describe the specific field at issue
- State the correction requested and why
Build a clean evidence packet
The FTC recommends including copies, not originals, of documents that support the request and a copy of the report with the disputed item identified. Keep a dated copy of what was sent and how it was delivered.
Use the correct channels
The CFPB explains that fixing an error generally means contacting both the credit reporting company and the company that supplied the information. A reporting company generally investigates within 30 days, with up to 45 days in some circumstances; that is a process window, not a promise that the result will favor the consumer.
Common questions
Clear answers, clear limits.
Can I dispute accurate negative information?
A dispute process is for information believed to be inaccurate or incomplete. Accurate current negative information generally cannot be removed just because it is unfavorable.
How long can an investigation take?
The CFPB says a credit reporting company generally has 30 days and may have up to 45 days in some situations.
Does submitting a dispute guarantee a deletion?
No. The result depends on the facts, evidence, investigation, and applicable law. NDR does not promise deletion or a score change.