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The FCRA explicitly claims that you can dispute any negative item on a credit report

According to the FCRA, you can dispute any unwanted element on your credit report. The credit reporting agency is obligated to delete a disputed item that’s shown to be illegitimate. The 3 data centers — Experian, Equifax, and TransUnion — are more prone to making mistakes . A detailed examination of American consumers reveals that about 20 percent of them have errors in their own…