If you believe you have incorrect information on your credit report, dispute the entry with the Credit Reporting Agency (CRA).
If you believe your lender is reporting information inaccurately, or if it confirms to the CRA what you believe to be incorrect information, contact your lender and ask them why they haven't corrected the information. If you cannot get what you believe to be an adequate response, explore your rights (including the possibility of litigation) under the Fair Credit Reporting Act (FRCA).

