According to the Fair Credit Reporting Act the responsibility of ensuring the elimination of erroneous records lies with both the credit agency and the creditor.
So here is ho you go about it.
To begin with ensure that you get regular credit rating reports from all the three credit reporting agencies (Equifax, Experian and TransUnion) Because not all lenders will check the reports of all three agencies neither can you be sure that only one will be checked so its best to be aware of what the lender is likely to discover in all the three credit score reports.
One you discover an anomaly in your credit rating records there are three ways in which you could dispute it; you could call the credit bureaus or you could file an online dispute or you could mail your dispute in.
Calling and online applications will of course be the fastest however if you intend to use mail, ensure that you opt for certified mail so that you have the proof of delivery.
On the other hand, if you call them, you will have to furbish information that will help in identity verification like your credit card number, birth date, name, social security number, driver's license number and address.
Alternatively, if you choose to go for an online dispute, you will simply have to click next to entry that you are disputing to identify the reasons for it.
Normally, you will receive a message stating that the credit bureau is working to get the information for you.
If you are disputing an entry through mail make sure that you include all the relevant information including personal verification details in your letter.
Ideally you should check your credit rating at least every three months to avoid issues with your credit score.
Once your dispute has been received by the credit bureau they will get in touch with the creditor requesting a proof of the fact that the debt indeed belongs to you within thirty days and if such proof cannot be furbished the entry will be deleted from your credit rating records.