credit dispute?

if i dispute something on my credit report, does equifax contact the original creditor or the collection agency to verify amount owed.

Public Comments

1. Yes, they contact the creditor whose information you are disputing and verify the information with them.
2. yes
3. If the collection agency and the original creditor have both put a negative tradeline on your report you will need to dispute both. The credit bureaus will contact both. If only the original creditor's tradeline is showing then just dispute that one and the credit bureau will contact the original creditor.