Under the credit laws, both the company that provides information about your credit (such as a bank or credit card company) and the consumer-reporting agency (also known as a "credit bureau") that receives the information and sells credit reports must investigate your credit dispute. You can call the three credit bureaus that sell most credit reports to obtain a copy of your report or to file a dispute:
Experian (formerly TRW)
Equifax
Trans Union
P.O. Box 2104 Allen, TX 75013 (888) 397-3742
P.O. Box 105873 Atlanta, GA 30348 (800) 685-1111
P.O. Box 390 Springfield, PA 19064 (800) 916-8800
For information about your rights under the credit laws and the steps you can take to dispute an inaccurate or incomplete credit report, please visit the FTC's website on credit.
