CONSUMER PROTECTION RESOURCES

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CONSUMER REPORT ERROR GUIDES

Browse our consumer-protection resources by category below. Each guide explains the companies involved, the errors we see most often, and how to dispute a report under the Fair Credit Reporting Act — with dedicated pages for the biggest credit bureaus, screening companies, and debt collectors.

Consumer Reporting Agencies

Credit Reporting AgenciesEquifax, Experian, and TransUnion — who they are, how to dispute errors, and where to send disputes by mail.Know More →Subprime & Alternative-Credit BureausClarity, MicroBilt, SageStream, DataX, and Teletrack — the bureaus behind payday and subprime loan denials, and how to fix an error.Know More →Background Check CompaniesThe screening companies behind employment background checks, and how to fix an inaccurate report under the FCRA.Know More →Tenant Screening CompaniesSafeRent, CoreLogic, TransUnion SmartMove, and RealPage — and what to do when a rental screening report is wrong.Know More →Check & Bank ScreeningChexSystems, Early Warning, and TeleCheck — the databases that can block a bank account or bounce a check.Know More →Property & Insurance ReportsC.L.U.E. and the property and insurance databases that quietly shape your premiums and claims.Know More →

Furnishers

Debt CollectorsMidland, Portfolio Recovery, LVNV, and the agencies that report collection accounts — and how to dispute one that is not yours or that you already paid.Know More →Creditors & LendersBanks, credit-card issuers, auto lenders, and other creditors that report your accounts — and how to fix an inaccurate tradeline.Know More →Auto LendersWestlake, Exeter, Chrysler Capital, and other auto-finance companies — and how to fix a wrong repossession or balance.Know More →Medical Debt CollectorsAmericollect, Medicredit, Wakefield & Associates, and the agencies that report medical bills — and how to remove one you already paid or never owed.Know More →Mortgage ServicersSelect Portfolio Servicing, Cenlar, Fay Servicing, and other loan servicers — and how to fix a wrong late payment after a transfer.Know More →

Laws, Letters & Guides

Collector & Creditor Phone NumbersRadius Global Solutions, Comenity Bank, Cross River Bank, Checkr and 32 others — the phone numbers and mailing addresses each company publishes, and where to send a dispute.Know More →

Laws, Letters & Guides

Consumer Protection LawsPlain-English guides to the federal laws that protect you — FCRA, FDCPA, TCPA, and more — plus free dispute and validation letter templates.Know More →Sample Credit Dispute LetterFree template and step-by-step instructions for disputing credit report errors with Equifax, Experian, and TransUnion — no email or payment required.Know More →Sample Debt Validation LetterFree template to make any debt collector prove the debt is yours, the amount is right, and they have the right to collect — before you pay a dollar.Know More →

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    Correspondence and dispute addresses often arrive with no company name on the envelope. Our address pages set out who each box belongs to and what to send there: PO Box 11733, Newark NJ 07101 (Cenlar), PO Box 98873, Las Vegas NV 89193 (Credit One) and PO Box 82561, Lincoln NE 68501 (Nelnet).