credit report dispute

https://astro-wiki.win/index.php/How_to_Navigate_a_Credit_Bureau_Dispute_and_Fix_Your_Credit_Report

When you spot an error on your credit report, like a late payment you never made or an account that isn't yours, you can file a dispute. This starts the process of asking the credit bureau to investigate and correct that mistake, which is crucial because inaccuracies can drag down your score. It usually involves submitting a form and any supporting documents online or by mail. The bureau then has 30 days to look into it and get back to you with the results.