How can I fix an error on my consumer report?

If you believe a consumer report contains wrong information, you have options to dispute it.

  • Contact the Consumer Reporting Agency (CRA) that made the report, such as:
  • Send us a written request with the following information:
    • Your full name, address, and phone number.
    • Full account number and account type (e.g. credit card, personal loan, checking).
    • Specific details of what you're disputing, including an explanation of why it's incorrect. 

For your convenience, a Consumer Report Dispute Form is available to print and fill out with this information.

We'll also need copies of supporting documentation, such as:

  • The relevant portion of your consumer report containing the alleged error.
  • Monthly statements reflecting account activity.
  • A police report or a fraud/identity theft affidavit.

When you're ready, refer to the table below to send the case to the correct team. Once received, we'll review the details and send a written response.

Account type

Contact information

Checking and savings accounts
Reserve lines of credit

Personal loans
Auto, boat, and other vehicle loans
Vehicle leases

Home equity lines of credit (HELOC)
Manufactured housing loans

Mail to:
U.S. Bank
Attn: Consumer Bureau Dispute Handling (CBDH)
PO Box 3447
Oshkosh, WI 54903-3447

Phone: 844-624-8230

Home equity installment loans (HEIL)
Home mortgage loans

Mail to:
U.S. Bank
Attn: Credit Bureau Disputes
PO Box 21977
Eagan, MN 55121

Fax: 866-350-2034

All consumer credit cards
Personal lines of credit

Mail to:
Consumer Recovery Department
Attn: CBR Disputes
PO Box 108
St. Louis, MO 63166-0108