If you believe your credit report contains an error that may be an FCRA violation, you should first file a formal dispute with the credit reporting agency that issued the report (Equifax, Experian, or TransUnion). It’s best to do this in writing and include specific details about the error, why you believe it’s inaccurate, and any supporting documentation you have. You may also want to dispute the information directly with the furnisher. Keep copies of all correspondence. If the error is not corrected after the investigation, or if you believe the investigation was not reasonable, you should consider seeking legal assistance to explore your options under the FCRA.