The correct mailing address for Equifax credit report disputes is Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374-0256. Send your dispute letter by certified mail with return receipt requested. Equifax must begin its investigation within 30 days of receiving your dispute under 15 U.S.C. § 1681i(a)(1).
Equifax Dispute Mailing Address
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
Always use certified mail with return receipt (USPS Form 3811). The return receipt proves the date Equifax received your dispute, which starts the 30-day investigation clock under the Fair Credit Reporting Act. If Equifax fails to investigate within 30 days, it may be liable for damages under the FCRA.
Equifax Dispute Phone Number
You can also file a dispute with Equifax by calling 1-888-378-4329. Phone disputes are faster but create no paper trail. If your dispute involves identity theft, a fraudulent account, or a mixed credit file, we recommend mailing a written dispute first to preserve evidence for a potential FCRA lawsuit.
Phone disputes can be useful when Equifax has one more written disputes on file, especially when they include proof that your dispute should be resolved in your favor (police reports, judgments, etc)
Online Disputes: Why We Don’t Recommend Them
Equifax offers an online dispute portal through myEquifax. However, most online dispute portals include arbitration agreements in their terms of service. Signing an arbitration agreement may prevent you from filing an FCRA lawsuit in court. If you believe your credit report errors are serious enough to warrant legal action — such as identity theft, accounts that aren’t yours, or debts reported after bankruptcy — do not use the online portal.
Also, you may never see these disputes again. When it comes time for them to produce your online disputes in a lawsuit, they may claim a “server error” and you won’t be able to show the court what you disputed.
What to Include in Your Equifax Dispute Letter
Your dispute letter should include:
- Your full legal name, Social Security number, and date of birth
- Your current address and all addresses from the past two years
- A clear description of each error, identifying the account by name, number, and the specific information that is wrong
- A statement of what the correct information should be
- Copies (not originals) of supporting documents — account statements, police reports, identity theft affidavits, or court records
- A copy of your government-issued photo ID
- A second form of ID, a current utility bill that has your current address (it should match your ID)
- A copy of your social security card
What Happens After You Send Your Dispute
Under the FCRA (15 U.S.C. § 1681i), Equifax must investigate your dispute within 30 days of receipt. This may be extended to 45 days if you provide additional information during the investigation period. Equifax is required to forward your dispute to the furnisher (the company that reported the information), and the furnisher must conduct its own investigation. If the information cannot be verified, Equifax must delete it. Equifax must send you written results within 5 business days of completing its investigation.
When to Contact an FCRA Attorney
Consider consulting an attorney if Equifax fails to investigate within 30 days, verifies information you know is wrong, or re-inserts deleted information without notifying you. Under the FCRA, consumers can recover statutory damages of $100–$1,000 per willful violation, actual damages for negligent violations (including denied credit, higher interest rates, and emotional distress), and attorney’s fees. There is no cost to consult with our office about a potential FCRA case.
Under the FCRA, you don’t pay attorney’s fees in a successful case — the credit bureau does. If Equifax ignored your dispute, verified false information, or re-inserted deleted accounts, our office can evaluate your claim at no cost. We’ve represented thousands of consumers in FCRA cases against all three major bureaus. Call (210) 226-0965 or schedule your free consultation.
Frequently Asked Questions
How long does Equifax have to respond to my dispute?
Equifax must complete its investigation within 30 days of receiving your dispute. This deadline may extend to 45 days if you submit additional information during the investigation period. 15 U.S.C. § 1681i(a)(1).
Should I dispute by mail or online?
Mail, using certified mail with return receipt. Online dispute portals typically include arbitration agreements that may prevent you from suing Equifax in court if the dispute is not resolved properly. Certified mail creates a paper trail that proves when Equifax received your dispute and starts the 30-day clock.
What if Equifax doesn’t fix the error after my dispute?
If Equifax verifies inaccurate information or fails to respond within 30 days, you may have a claim under the Fair Credit Reporting Act. An FCRA attorney can evaluate whether the violation was willful (statutory damages of $100–$1,000 per violation plus punitive damages) or negligent (actual damages plus attorney’s fees).
Can I dispute with Equifax and the furnisher at the same time?
Yes. You can — and should — send a dispute to both Equifax and the company that furnished the inaccurate information (such as a bank, lender, or debt collector). The furnisher has an independent obligation under 15 U.S.C. § 1681s-2(b) to investigate disputes forwarded by a credit bureau.
Does it cost anything to dispute an error on my Equifax credit report?
No. Disputing errors on your credit report is free under the FCRA. The only cost is postage for certified mail (approximately $4–$7 with return receipt). Never pay a credit repair company to file disputes on your behalf — you can do it yourself for free.