What to do if there’s an error on your credit report

Abby Lee | Issues columnist

Nov. 29, 2012

Credit reports have become an ever-increasing part of our lives. From tenant applications to car loans, it’s hard to buy or apply for anything now without someone checking your credit. That’s why it is more crucial now than ever that any problems with credit reporting agencies or errors on credit reports can be reported and corrected.

On October 22, the Consumer Financial Protection Bureau (CFPB) announced it will now accept complaints about credit reporting agencies and individual credit report problems from consumers. While the CFPB stresses the importance of initially trying to work things out with the credit reporting agency before filing any complaint with them, if you have issues that you cannot solve on your own, you can now contact the CFPB.

The CFPB can assist you with issues like:

Incorrect information on a credit report
A consumer reporting agency’s investigation
Improper use of a credit report
Being unable to get a copy of a credit score or file
Problems with credit monitoring or identity protection services.

To submit a complaint with the CFPB, you can visit the CFPB’s complaint page.

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