Numerous mistakes, such as incorrect balances and charged-off accounts, may be found on my TransUnion credit report. The fact that I'm paying on time now and the account cannot be charged off, after a period of late payments, makes it an error. Are there any ways to correct these information? I Furthermore, I would need to know who is to blame for these errors. Should I dispute the details with the credit reporting agency or the bank?
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It's already a typical occurrence for many consumers to find inaccuracies in their credit reports. It is advisable to file a dispute with the credit reporting agency rather than the lender, as the CRA will then need to confirm the details. You will need to contact an attorney if, following the disputing procedure, the information in your report is still incorrect and you may have legal recourse. In any case, I recommend that you start by reading this post as it may provide you a lot of significant and helpful ideas.
https://consumerattorneys.com/article/transunion-credit-reports-all-you-need-to-know