credit report dispute 3

https://mag-wiki.win/index.php/How_to_Dispute_Credit_Report_Errors_and_Protect_Your_Financial_Future

If you spot an error on your credit report, like a late payment that was actually on time or an account that isn't yours, filing a dispute is how you can try to get it fixed. You'll need to contact the credit bureau that has the mistake, explain what's wrong, and often provide some proof to back up your claim. The bureau then has 30 days to investigate and either correct the error or explain why they think the information is correct, and you can get a free updated report if anything changes.