If you find errors in any of your three credit bureau reports, you need to report the errors and file what is called a dispute. All three credit bureaus allow you to do this by phone, by mail, and online. In using the online feature you are able to click on the item disputed and immediately open up a formal dispute on that item.
A dispute should provide the credit bureau with reasons and even evidence that the item was listed in error. For example, if you have a cancelled check that shows you paid the debt, that would be evidence. Items such as a misspelled name or wrong address may require copy of identification that has the correct information. The credit bureau will let you know what is needed to prove your claim.
Once the credit bureau receives a formal dispute on your credit report it notifies the source of the information. That source has at least thirty days to make its response. After receiving the response from the source of the information the credit bureau will investigate the dispute. Once the investigation is complete you will be notified of the outcome and presented with options.