Disputing of data in a CR is specifically covered by law under the FCRA. It is done through dispute to the CRA agency posting the incorrect information on their credit report, who then has the legal obligation to investigate within 30 days. This is the procedure set up under law, since many items, such as disputed collection accounts, have been sold off to collection agencies, and the consumer cannot determine how to contact the initiating originator of the data. If you know who origiated the original report to the CRA, send them a separte letter or a cc, but the legal path is through the CRA.
