The Fair Credit Reporting Act codified at 15 USC section 1681a through 1681t, provides the framework designed to help you eliminate erroneous or unfair credit information from your credit report. All consumers have the right to challenge the accuracy of their credit report. Once you challenge the accuracy of a particular item of information, the credit bureau must investigate that item within 30 business days (before September 30, 1997 it was within "a reasonable period of time").
If the credit bureau finds that the challenged information is erroneous or cannot confirm or deny it, it must be promptly removed it from your credit history. Even if the bureau confirms a particular item that you have appealed, you have the right to a Consumer Statement (100 words or less) that explains your side of the story included on every credit report copy that the bureau sends out.
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