Dispute Resolution
You have the right to dispute any information we report to the credit bureaus. We investigate every dispute and respond within 30 days as required by federal law. See our complete data furnisher policies for full details.
How the dispute process works
There are two ways to dispute information we've reported: through a credit bureau (indirect) or directly with us. Both result in a full investigation.
Through a Credit Bureau
You file a dispute with Equifax, Experian, or TransUnion (online, by phone, or by mail)
The bureau sends us an ACDV (Automated Credit Dispute Verification) through e-OSCAR
We investigate by reviewing our payment records and any documentation you provided
We respond through e-OSCAR — verifying, modifying, or deleting the data
The bureau notifies you of the result within 30 days
Directly With Us
Submit a dispute through your client portal or using the form below
Include your full name, account details, and what you believe is inaccurate
We investigate by comparing the disputed data against our internal records
If inaccurate, we correct or delete the data with all bureaus we reported to
We notify you of the result within 30 days of receiving your dispute
What is e-OSCAR?
e-OSCAR (Online Solution for Complete and Accurate Reporting) is the automated system that manages dispute communications between credit bureaus and data furnishers. When you dispute information with a bureau, e-OSCAR routes it to us electronically.
ACDV
Automated Credit Dispute Verification — the electronic form the bureau sends us when you file a dispute
AUD
Automated Universal Dataform — used when we need to proactively update or correct data with a bureau
30 Days
Federal law requires us to complete our investigation and respond within 30 days of notification
What you can dispute
Payment Status
If you believe a payment was reported as late when it was on time, or vice versa
Account Status
If your account shows the wrong status (open vs closed, current vs delinquent)
Balance Information
If the reported balance, payment amount, or past-due amount is incorrect
Account Dates
If the account opening date, last payment date, or other dates are wrong
Identity Information
If your name, address, or other identifying information is reported incorrectly
Account Ownership
If you don't recognize the account or believe it was opened fraudulently
Your rights under federal law
FCRA § 623(a)(8)
Right to Dispute Directly
You have the right to dispute information directly with us, not just through the credit bureaus. We are required to investigate direct disputes under the same standards and timelines as bureau-initiated disputes.
FCRA § 623(b)
Right to Investigation
When notified of a dispute, we must conduct a reasonable investigation. This means actually reviewing our records — not rubber-stamping the existing data. If we cannot verify the accuracy of the data, we must modify or delete it.
FCRA § 623(a)(1)
Right to Accuracy
We are prohibited from furnishing information that we know or have reasonable cause to believe is inaccurate. If we discover an error — through a dispute, an audit, or any other means — we must correct it with all bureaus.
FCRA § 611
Right to Notification
You have the right to be notified of the results of any investigation. If we modify or delete information, you will be informed. If we verify the data as accurate, you will also be informed of that determination.
File a dispute with a bureau
You can also dispute directly with any credit bureau. They will forward the dispute to us through e-OSCAR.
Equifax
equifax.com/personal/credit-report-services/credit-dispute
1-866-349-5191
Experian
experian.com/disputes
1-888-397-3742
TransUnion
transunion.com/credit-disputes
1-800-916-8800