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Learn more at consumerfinance.gov
How do I dispute an error on my
credit report?
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To dispute an error on your credit report, contact both the credit reporting
company and the company that provided the information.
How to dispute an error on your credit report
1. Dispute the information with the credit reporting company
If you identify an error on your credit report, you should start by disputing that information with the
credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what
you think is wrong, why, and include copies of documents that support your dispute.
If you mail a dispute, your dispute letter should include:
Contact information for you including
complete name, address, and telephone
number
Report confirmation number, if available
Clearly identify each mistake, such as an
account number for any account you may be
disputing
Explain why you are disputing the
information
Request that the information be removed
or corrected
Enclose a copy of the portion of
your credit report that contains the
disputed items and circle or highlight the
disputed items. You should include copies
(not originals) of documents that support
your position.
You may choose to send your letter of dispute to credit reporting companies by certified mail and ask for a
return receipt, so that you will have a record that your letter was received.
You can contact the nationwide credit reporting companies online, by mail, or by phone:
Equifax
Online: www.equifax.com/personal/credit-
report-services/credit-dispute/
By mail: Download the dispute form
Mail the dispute form with your letter to:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348
By phone: Phone number provided on
credit report or (866) 349-5191