How to Dispute Credit Report Errors - Deschutes County, Oregon 2025

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by filling out your personal information at the top of the form. This includes your name, address, and Social Security number. Ensure that you write clearly and accurately.
  3. In the section for disputing errors, identify each item you believe is inaccurate. Provide a brief explanation of why you dispute this information and attach any supporting documents as evidence.
  4. Once all fields are completed, review your entries for accuracy. Use our platform's tools to make any necessary edits before finalizing your document.
  5. After confirming everything is correct, save your document and choose to either print it for mailing or send it electronically if applicable.

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Statutory Damages: Predetermined Amounts for FCRA Violations Statutory damages, on the other hand, are predetermined amounts that can be awarded for violations of the Fair Credit Reporting Act (FCRA). These damages can range from $100 to $1,000 for each willful violation.
Both the credit bureau and the business that supplied the information to a credit bureau have to correct information thats wrong or incomplete in your report. And they have to do it for free.
You have the legal right to dispute inaccurate information directly with both the credit reporting companies and the companies that furnish your information to the credit reporting companies. To fully protect your rights, you should always dispute credit report inaccuracies with both.
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.
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Requesting a change or update to your credit reporta process known as filing a dispute, which you have the right to dohas no direct impact on your credit. But certain changes made in response to disputes can affect your credit scores. Read on to learn how disputes work and why they may or may not impact your credit.
You should dispute with each credit bureau that has the mistake. Explain in writing what you think is wrong, include the credit bureaus dispute form (if they have one), copies of documents that support your dispute, and keep records of everything you send.

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