A letter disputing a credit report should include the person's full name and address, a list of all disputed items and a detailed explanation of why each item is incomplete or incorrect, advises the Federal Trade Commission. The correspondence should include a copy of the credit report with the disputed items circled and copies of any related documentation as well. A sample dispute letter is available on the Consumer Information website of the FTC.
Equifax also offers an online form for disputing items on a credit report, as seen on its website. The form requires that the user enters the 10-digit confirmation number from his Equifax credit report, a Social Security number, an email address and a date of birth. It also asks for the person's current address and, if he has lived at his current address for less than two years, a previous address.
After the user submits the details of a dispute to the company, Equifax has 30 days to investigate the issue and respond, explains Equifax. If the company decides the dispute is valid, the incorrect information is removed from the person's credit report. If it decides in favor of the creditor, the credit history remains unchanged. However, the individual still has the option of adding a statement to his credit file explaining the dispute.