Then, deliver it to:
The credit scoring agency (Equifax, Experian, or TransUnion)
The details provider that provided the inaccurate information to your credit agency that is reporting. These providers consist of banking institutions and credit card issuers.
The credit scoring agency (CRA) therefore the given information provider are responsible for fixing your credit history. Including any inaccuracies or information that is incomplete. The obligation to correct any mistakes falls beneath the Fair credit scoring Act.