When you are disputing items on your credit report, you will need to write a series of letters to each credit reporting agency that you wish to dispute. This is the same tactic that "pay for" credit repair services use when they attempt to clean up their clients reports.
You can do this yourself.
What you are doing is asking them to verify these accounts by proving they have this information.
This is from the FTC:
CREDIT REPAIR SAMPLE LETTER #1Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.
When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete.
The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
Dear Credit Bureau,
This letter is to inform you of issues regarding my credit and your reporting methods that are negatively affecting me at this time.
I was informed after applying for a loan that my credit scores were too low and was denied the loan because of these credit issues. After requesting the credit reports and reviewing them extensively, I had noticed several errors.
These errors I feel are due to mistakes by your bureau and I and requesting that these these errors be corrected as soon as possible.
There are several addresses that I do not recognize:
The following public records I have no knowledge of:
The following accounts are not mine:
I am requesting that these these accounts are verified by your firm. Please forward me all applicable information in regards to these accounts.
Including but not limited to:
I appreciate your time in responding to this matter.
- The name and current address of the party
- Account number
- Method of verification
- Reported 1st delinquency