There are two reasons why you file a complaint with a credit agency. The first and the main reason why you file a complaint with a credit agency is to remove an item from your credit report that you believe is wrong. The process of filing a complaint with a credit agency is easy and straightforward. However, you will need to request your official credit report from the agency with which you will be corresponding. After you receive your credit report, you can start the process of filing a complaint with a credit agency.
If there are several items on your credit report that you believe are wrong, you will have to file a separate complaint with a credit agency for each wrong item. You will need to mention your credit report file number when filing a complaint with a credit agency. After the credit agency receives your request, it will do the investigation and will either remove the wrong item from your credit history or will leave it there, depending on the decision. Any complaint with a credit agency can be filed either online or in writing. Filing it online makes it a lot faster. The whole review process after you filed you complaint with a credit agency takes usually around 3 to 4 months.
The second reason why you can file a complaint with a credit agency is if you suspect some person or company offering you some unlawful help in fixing your credit report. There are many scams offered by false fraudulent companies, so you should be very careful about that. You should stick to the legal ways of cleaning your credit report, like filing a complaint with a credit agency. This is more effective and safer then other options. And you have the control over the whole process.