Tell the credit reporting company, in writing, what information you think is inaccurate.  Include copies, not originals of documents that support your position.  Clearly identify each item in your report that you dispute.  You can do this on each company’s website at Experian.com, Transunion.com and Equifax.com.  For more detailed information and an example letter for disputing credit report errors, see the Federal Trade Commission’s FTC Facts for Consumers.