If you find a failure to report your credit rating, you are responsible for clearing the trash. Recent legislation makes it easier, but the burden still falls on you.
You must first and foremost make a mistake in writing to credit institutions reporting a mistake. There is no proof that you complain about the phone. It's also a good idea to send the letter, confirm the receipt you requested.
Do not use the forms provided by credit institutions for this purpose. Write a letter. This serves two purposes. First, you can explain better in a letter. But it also interferes with the credit company and they work against strict, federal deadlines to resolve the matter.
Once they have received your complaint in writing, they have 30 days to resolve it. They must also send the complaint to the company's origin.
If one office determines that they made a mistake in the credit rating report, you do not only need to remove the item from your credit rating report with their services. They must also contact other two services with the information as well.
But you should not rely on credit institutions to do all the job for you. If you see a mistake on monthly billing, you should contact your company's credit. This type of preventive work on your part could save you endless hassles in the long run. You can contact the company through the support department in your account. Again, do this in writing and keep proof.
If you can not take a mistake of your files, you can write a 100 word statement that explains the sides of the story.