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Using your State's Attorney General and the FTC to Contest a Credit Report

January 30, 20232 min read

If you have exhausted the other pathways to get information removed from your credit report and if a credit bureau or creditor refuses to correct any inaccurate, incomplete, or outdated information that is on your credit report, my company, Credit Counsel Elite, teaches our students and mastermind members that you may contact the following offices for help or additional information:

Federal Trade Commission
Bureau of Consumer Protection
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357
TTY: (866) 653-4261 

This site is especially good if you need to report identity theft or a case of fraud.

Your States Attorney General

You can find the contact information of States attorney general HERE 

All the state's consumer protection websites can be obtained HERE

You can also do a google search for "state attorney general credit report" by clicking HERE. Most Attorneys General’s will have a specific page for credit reports.

Add a Statement of Dispute

As a final step, if the credit bureau won't correct the information, after conducting their investigation, you can write to the credit bureau and ask that they include a Statement of Dispute in your credit report.  

The statement will be included in all future credit reports distributed by the credit bureau. You can also request that the Statement of Dispute be sent to every creditor who requested your credit report in the last six months.  

A statement of dispute may be helpful for those trying to get a mortgage because it alerts lenders to your disagreement and can give you an opportunity to provide documentation or other proof of your claim to the lender so that your application can move forward.

At Credit Counsel Elite, we teach business owners how to get up to $500K at 0% interest every six months; for more information, CLICK HERE

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