How to Dispute Directly With a Data Furnisher

You can send a direct dispute to the creditor or collector that supplied the information, not only to the credit bureau.

Who a furnisher is

A furnisher is the company that sends account information to a credit reporting company, such as a lender, servicer, card issuer, or collector.

Where to send it

Use the address the furnisher specifies for credit-report disputes. It may differ from a payment address or customer-service address.

What to include

Identify the account and exact error, explain the basis, state the requested correction, and include supporting records. Keep copies and delivery proof.

Run both tracks carefully

A bureau dispute and direct furnisher dispute can support the same factual correction. Keep the dates and responses separate so the record stays clear.