If you discover mistakes in your credit file, write a letter disputing the error you need to include any supporting paperwork.
Then, deliver it to:
The credit scoring agency (Equifax, Experian, or TransUnion)
The details provider that offered the inaccurate information into the credit agency that is reporting. These providers include banks and credit card issuers.
The credit rating agency (CRA) therefore the given information provider are accountable for fixing your credit history. This includes any inaccuracies or incomplete information. The obligation to repair any mistakes falls underneath the Fair credit scoring Act.