You should dispute to the CRA, in writing, all inaccurate or incomplete information reporting on your credit report. This includes accounts that do not belong to you or are reporting inaccurate information, false social security numbers and inquiries, any obsolete information, misspelled names or addresses, wrong phone numbers or employers, and any other information that is inaccurate or incomplete.
Your dispute letter does not need to include any special legal language. You simply have to tell the CRA:
You should enclose any documentation that supports your dispute.
If you are the victim of identity theft, you can find additional information about the dispute process here.
You should always dispute to the CRA in writing and send your dispute and any supporting documentation by certified mail. Your credit report should have the mailing address of the CRA where you need to send your dispute. You should always keep copies of your dispute and supporting documents for your records.
If you have any questions about the dispute process, please contact us for a free consultation.