If you find an error on your credit report, the first step is to file a dispute with the credit reporting agency (Equifax, Experian, or TransUnion). You should send a letter that clearly identifies the specific information you believe is inaccurate, explains why it’s inaccurate, and includes copies of any supporting documentation, such as account statements or court orders like a bankruptcy discharge order. It’s recommended to send your dispute letter via certified mail with return receipt requested to have proof of mailing. You should also consider disputing the information directly with the furnisher of the information (the creditor or debt collector). The FTC provides sample letters on its website (consumer.ftc.gov) that you can adapt.