Disputing Inaccurate items on your credit report
If you do not recognize information on your credit report, or believe an item may be inaccurate, you may request credit reporting agencies to investigate the data and correct any discrepancies. Only inaccurate information may be removed from your credit report; negative information that is accurate will stay on your credit report as long as governing laws allow.
Transunion:
Credit Report Dispute Process
Experian:
Disputes
Equifax:
How to Dispute
A note on Credit Repair Services:
If you are tempted to contact a credit repair company for help, use considerable caution. The FTC and a number of state attorneys general have sued credit repair companies for falsely promising to remove bad information from credit reports. Only inaccurate information may be removed from your credit report; negative information that is accurate (such as a bankruptcy filing or a defaulted loan) will stay on your credit report as long as governing laws allow.
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