Disputing directly with the furnisher
Section 623 gives you a second front, and furnishers have their own duties.
Most people only write to the bureaus. But FCRA §1681s-2(b) imposes duties on furnishers — the banks, lenders, and collectors that supply the data. When a furnisher receives notice of a dispute, it must investigate, review all relevant information, and correct or stop reporting anything it can't verify.
Writing both sides at once builds a stronger record. If the bureau says 'the furnisher verified it' and the furnisher's own file shows it never actually looked, you've documented the exact failure that FCRA cases are built on.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.