Wrong names, addresses, phone numbers, and emails on a credit report

Not every unfamiliar detail means fraud

Reports can show former addresses, name variations, or data supplied by previous creditors. Compare the information with your own history before describing it as fraudulent.

• List misspellings and unfamiliar aliases separately.
• Identify addresses where you never lived.
• Check whether unfamiliar contact details appear alongside an unfamiliar account.

Choose the correct recipient

Identity information may need to be addressed with the credit reporting company. Regulation V contains exceptions for certain direct disputes sent to furnishers, including some identifying information and inquiries, so review the current rule before selecting a template.

Escalate possible identity theft

If the wrong personal information appears with accounts or activity that are not yours, visit IdentityTheft.gov for a recovery plan rather than relying only on a general dispute letter.