Where do you start?
There are three major credit reporting agencies in the United States. You can obtain a free annual credit from each by going to annualcreditreport.com This will let you see some of the information about you that is sold by the credit reporting agencies. (Yes, they are selling your information.)
The Fair Credit Reporting Act requires that each of the credit reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of the information in any report about you. It also allows you to request that they reinvestigate any inaccurate information or information that may be too old to be reported.
How do I object if I find inaccurate information?
What if XYZ company has reported that I owe them money but I don’t? The procedures are different than what you think they should be. Many think that they should contact XYZ Company. You can but under the federal law, this does not require the credit reporting agencies to reinvestigate. They are only required to do so if you send a request directly to them. Then they have approximately 30 days to respond to your request.
What if that does not resolve the issue?
The next step is you may need to sue to have the inaccurate information corrected or removed from your report. At that point you may need to consult an attorney. The attorneys who are part of the Law Zebra Network* have experience in these types of issues.