If you believe that there is inaccurate or incomplete information on your credit report, you have the right to dispute it. The Fair Credit Reporting Act (FCRA) provides you with this right and requires furnishers like RMG GROUP Auto Finance to investigate disputes reasonably. Here's how you can dispute information on your credit report:

Filing a Dispute with Credit Reporting Agencies (CRAs):

1. Identify the Inaccurate Information: Review your credit report from CRAs such as Equifax, Experian, and TransUnion, and identify the specific information you believe to be inaccurate or incomplete.

2. Contact the CRA: You can file a dispute with the CRA online, by mail, or by phone, using the contact information provided on your credit report. It is recommended to submit your dispute in writing to have a documented record.

3. Provide Supporting Documentation: Include any supporting documentation that can help substantiate your dispute. For example, provide payment dates, account status details, and any other relevant information. Attach supporting documents such as front and back of a canceled check, bank statement, or a marked-up copy of the credit report.

4. Wait for the Investigation: Once the CRA receives your dispute, they will investigate the information in question. By law, they must respond to your dispute within 30 days and provide you with the results of their investigation.

5. Updates to Credit Report: If any changes are required as a result of the investigation, the CRA will update your credit report. Generally, this update process takes 1-2 billing cycles.

Filing a Dispute with RMG GROUP Auto Finance:

1. Gather Relevant Information: Collect all the specific information you believe to be inaccurately reported (e.g., payment dates, account status) and any supporting documentation that can aid in the investigation.

2. Credit Report Dispute Form: Download and complete the Credit Report Dispute Form provided by RMG GROUP Auto Finance. This form helps ensure all relevant information is included in your dispute.

3. Submit Your Dispute: Send your completed Credit Report Dispute Form, along with any supporting documents, to RMG GROUP Auto Finance. You can find the contact information on their website or on your billing statement.

RMG GROUP Auto Finance will conduct an investigation based on the information you provide and respond within 30 days. If changes are deemed necessary, they will be made, and the CRAs will update your credit report(s) accordingly.

Remember to retain copies of all correspondence and supporting documents related to your dispute for your records. Regularly reviewing your credit report, addressing inaccuracies promptly, and providing complete and accurate information during the dispute process can help maintain the integrity of your credit history.