8 types of credit report disputes 

The report shows late payments you never made, a wrong balance, or a wrong credit limit. You have proof - the bureau should correct it.

Someone else's accounts, addresses, or debts appear on your report because you share a similar name or Social Security number. This is not identity theft - the bureau simply confused two people.

A thief opened new accounts in your name, took over existing accounts, or used your SSN to create a synthetic identity. The FCRA gives you a 4-business-day block right.

Old negative items that should have aged off (7 years for most; 10 for bankruptcy) are still showing - or a collector reset the date to make a debt look newer. That's re-aging, and it's illegal.

Either a discharged debt is wrongly still reported as owed, or a bankruptcy is reported about you when you never filed.

You are inaccurately reported as deceased - obviously wrong, but surprisingly common, and it blocks every account and application until corrected.

The original creditor and a collection agency both report the same underlying debt, making it look like you owe it twice and inflating your apparent total debt.

A collection account shows the wrong amount, wrong original creditor, wrong date, or a debt you don't owe at all. Collectors must report accurately.