Get a copy of your Experian credit report. You can get a free copy of your Experian credit report annually by visiting www.AnnualCreditReport.com or by calling (877) FACTACT and requesting your credit report.
Identify the credit elements you want to dispute with Experian.
You must file your dispute within 90 days of receiving the credit report, as each credit report contains a unique report number that expires after that time.
Prepare a letter for Experian that contains the following information:
Your full name, address and contact phone number
Social Security number
Credit Report Number
A photocopy of a valid photo ID, such as a passport or driver’s license
A copy of a recent bill for basic services that includes your name and address
A list of each item of credit in dispute and an explanation of why you think the information is not correct
All physical evidence or document that supports your dispute
Send your letter by mail and all applicable information to Experian to: Experian, P.O. Box 2002, Allen, TX 75013. Then Experian will open an investigation about your dispute and will contact you via email or telephone with the result of the investigation within 30 days.
Another possibility is to file your dispute to Experian by phone at (888) 397-3742 or (800) 493-1058. However, financial experts do not recommend submitting disputes over the phone and instead suggest filing disputes online or by post so that you have physical or digital evidence of them. 
If you want to apply for a loan and you have difficulties being approved, get a copy of your credit report and dispute all the incorrect information with Experian and other credit reporting agencies. It is possible that one or more of an incorrect credit item is interfering with your loan approval.