How to dispute your Information on your Credit Report
If a user has failed Remote Identity Proo�ing (RIDP) and manual ID proo�ing (MIDP), the Application
Helpdesk can no longer help the user to gain access to CMS applications. The only alternative for
the user is to contact Experian directly to correct any information that may be incorrect on their
report.
There are several ways to dispute incorrect information on your report, but it is important that you
�irst have your credit report on hand so that you can identify any errors. You can request a copy of
your report here -
https://www.annualcreditreport.com. There are also some tips below that will come in
handy when starting this journey –
Helpful Hints:
Please note that Experian Support Services will not be able to give the user access to IDM after the
user corrected the information that failed them with the Tier-1 helpdesk. The user will have to
contact the Tier-1 helpdesk to restart that process.
Tell Experian Consumer Support Services that their “Experian PreciseID” feature failed to verify
their information while going thru ID proo�ing with CMS.
The user should have the information they entered into their IDM pro�ile ready, so that the user has
the exact information that failed them. It will be helpful when comparing that info with what
Experian has.
Credit report inaccuracies are not widespread, but they do occur. For that reason, if you see an
inaccuracy on one credit report, there's good reason to suspect the error appears in your �iles at the
other credit bureaus as well. Errors on credit reports can include outdated information like
misspelled names, transposed digits in your Social Security number or incorrect addresses.
You should also check all your credit reports for accuracy, and �ile disputes with each bureau
separately to ensure the information is updated everywhere. Additionally, credit disputes are
completely free through each bureau, so it is more than worth it to �ile one if you �ind inaccuracies
on your credit report.
Documents You Need to Dispute Your Experian Credit Report
To dispute your Experian credit report, start collecting documents to support your claim. Here are
some documents you’ll need:
• Personal Information
• Government-issued ID (such as a driver’s license or passport)
• Social Security card
• Proof of Date of birth
• Addresses for the past two years
• Legal documents
Ways to Dispute Information on Your Experian Credit Report
TransUnion and Equifax have their own processes for disputing credit reports, but Experian
provides three methods for submitting disputes:
• Online: This is the quickest way. Get access to your Experian credit report and initiate a
dispute at the Experian Dispute Center
(more on that below). There is no cost to you for
using this service.
• By phone: To initiate a dispute by phone, you'll call the number displayed on your Experian
credit report. If you'd like to have a copy of your credit report delivered to you by mail,
call 866-200-6020
.
• By mail: You can dispute without a credit report by writing to Experian, P.O. Box 4500,
Allen, TX 75013. (Printing out Dispute by Mail
instructions can streamline the process; you
can also scan the completed form and submit it electronically to Experian.com/upload).
What Happens After You Submit Your Dispute?
After you've submitted a dispute, Experian goes to work to resolve the issue. Then one of three
things will happen:
• Incorrect information will be corrected.
• Information that cannot be veri�ied will be updated or deleted.
• Information veri�ied as accurate will remain intact on your credit report.
How to Track Your Dispute Status
Once you've submitted your dispute, Experian will send you alerts via email whenever there is a
status update. If you already have an account with Experian, you can also view your dispute alerts in
the main Alerts section of your Experian account. Alerts you'll receive while Experian processes
your dispute include:
• Open: This indicates the dispute process has been initiated.
• Update: Your dispute investigation has been completed and your credit report is being
updated with the results.
• Dispute results ready: Your credit report has been updated with the results of the dispute
investigation.
I resolved my dispute with Experian and am ready to request access to my CMS
Application!
Once you have successfully resolved your dispute, you’ll need to provide evidence to the Application
Helpdesk that you will pass the RIDP process. Since you were locked out of identity proo�ing in IDM
when you failed online and with the helpdesk, you'll need to go back to your application helpdesk
with all of your documents, and depending on the application, they will have their own policy on
how they handle the information from there, so be sure to reach out to them �irst before sending
anything.
Have your communications with Experian ready, along with any other information, such as
Experian ticket numbers, e-mails, letters, etc., and be ready to send them to the Application
Helpdesk for them to process. They will also request copies of your documentation, such as social
security card, drivers’ license, birth certi�icate, etc. These documents can either be sent to them
through a password protected e-mail, or if the helpdesk prefers, through the mail.
