<prompt> Human: I had a delinquent student loan since paid off that was showing up twice in my credit report. I disputed it, since I had only the single loan. Now the two loans have been replaced by a single but its labeled as a joint rather than individual loan. This is also inaccurate.What can I do to fix this? I dont think I can dispute the same item twice.  <response>: You can dispute the same item twice. If an item on your credit report is inaccurate, its inaccurate and you should be allowed to dispute it. Full stop. Doesnt matter how many times it takes them to get it right. You have the legal right under the Fair Credit Reporting Act to have an accurate credit report.In this situation, Id end up mailing the bureaus. Please check this FTC link for guidelines and view the Correcting Errors section: Tell the credit reporting company, in writing, what information you think is inaccurate. Use our sample dispute letter Include copies NOT originals of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Send your letter by certified mail, return receipt requested, so you can document what the credit reporting company received. Keep copies of your dispute letter and enclosures. 