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Send a letter to the creditor. You can ask the entity that reported the credit account to remove it. You should write them a letter and mail it certified mail, return receipt requested. Equifax should have given you the contact information for the entity.
One of the fastest ways to clean up your credit report is to challenge the accuracy of information. If you’re able to prove something is inaccurate, the credit bureau must take action to remove or correct it. Otherwise, cleaning up credit missteps you made in the past can take time.
File a dispute for free. If you see information on your Equifax credit report that you believe is inaccurate or incomplete, complete and submit the Credit Report Update Form, and we'll look into it right away. Results completed within 10-20 days.
There are timeframes for how long different types of information may remain on your Equifax credit report. An inquiry made on the credit file will automatically purge three (3) years from the date of the inquiry. A credit account will automatically purge from the file six (6) years from date of last activity.