Your credit history may very well be one of the most important pieces of financial documentation that you can have. Many societies today are so focused on credit that things such as your credit record and credit score can impact your quality of life greatly. Ask someone who does not have a very good credit score and he will have a lot to tell you about that!
It is rather important that you review your credit report carefully on a regular basis. This report is the what creditors look at and it is also what your credit score is based on. If you find a mistake in your credit report, you need to have it fixed immediately before it does any damage.
The good news is that you have the legal right to dispute any misrepresented item in your credit report. Here is even better news: the formal process for filing a dispute is fairly straightforward. All that you really need to do is to write a credit dispute letter. When writing the letter, make sure that you include all the pertinent information: the name in the credit card/credit report, credit card number, credit card issuer, and the details of the disputed item. You also have to provide supporting information as to why you are disputing the item. If you have concrete evidence - documentation - you ought to include that in the letter as well.
You then need to send the letter to the credit agency or credit bureau that generated your credit report. It is also a good idea to send a copy to the credit card company involved. Once you have sent the letter, you should receive news about their investigation within 30 days or so.