What happens if the investigation finds there's a mistake? What can I do if the investigation doesn't find there's a mistake?

 If the investigation finds there was a mistake, the business has to notify all three credit bureaus so they can correct it in your files. The credit bureaus have to give you the results in writing and a free copy of your report if the dispute results in a change.

If information on your report is changed or deleted, the credit bureau can't put the disputed information back in your file (unless the business that provided the information certifies that it's accurate and complete.) The credit bureau also has to:

• send you a notice that includes the name,address,and phone number of the business that provided the information. 
• Send notices of the correction(s) to anyone who got your report in the past six months, if ask
• send a corrected copy of your report to anyone who got a copy during the past two years for employment purpose, if you ask

What can I do if the investigation doesn't find there's a mistake?

If the investigation doesn't resolve your dispute with the credit bureau, you can ask that a statement of the dispute be included in your file and in future reports.You also can ask the credit bureau to give your statement to anyone who got a copy of your report in the recent past.You'll probably have to pay for the credit bureau to do it.