dispute inaccurate credit data 5

https://papa-wiki.win/index.php/Your_Credit_Report_Correction:_A_Step-by-Step_Guide_to_Fixing_Errors

If you find a mistake in your credit report, like a payment that was never late or an account that isn't yours, you have the right to challenge it. Start by collecting proof—bank statements, emails, or letters—that shows the error. Then file a dispute with the credit bureau online or by mail. They must investigate within 30 days, and if they can't verify the item, they'll remove it. Getting rid of inaccurate credit data can boost your score and protect your financial reputation.