Issue guide

Credit reporting inconsistencies

A practical evidence-organizing guide. It does not determine liability or replace legal advice.

Evidence to gather

Build the factual record

Compare bureau reports, furnisher statements, dispute history, balances, statuses and dates.

  • Preserve originals and dates.
  • Keep communications and confirmations.
  • Record what remedy you requested.
  • Separate what you know from what you suspect.
Possible route

Start here

CRA/furnisher dispute routes + CFPB; differences alone do not prove inaccuracy.

Research the institution
Next step

Turn the timeline into an evidence packet.

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