How to correct credit report information [View all]

This one's been going on about 30 years. One credit bureau reports an incorrect middle initial. I had conversation and a couple letters with them way back when, but it never got corrected so I left it alone. I think they told me at the time I would have to go to the bank that reported the original error to them but that was lost amongst all the bank takeovers in the 1990s. They all got subsumed into BoA - FNBTx, NCNB, Boatmen's, and there may have been more.

I get junk mail with the incorrect initial too, and it's been stolen that way by hackers, but it never made it to other credit bureaus.

I'm wondering at what point this lingering error might foul something up. Like trying to borrow money.