What’s the Equifax Dispute Address?

If you want to dispute an error by mail, you should mail your inquiry using certified mail to Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374-0256.

Key takeaways

• Mail your inquiry using certified mail to Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374-0256.
• Additional ways to dispute credit report errors include by phone, online through myEquifax, and directly with Experian or Transunion.
• The Fair Credit Reporting Act (FCRA) protects those who are seeing large inaccuracies on their credit report. Some consumers may be eligible to sue reporting agencies for damages.

Can I send my dispute form by mail to Equifax?

Yes, sending your dispute form to the following address:

Equifax Information Services, LLC

P.O. Box 740256

Atlanta, GA  30374-0256

Typically, results will be returned to you within 30-days of receiving the notice of dispute. It’s always recommended to use certified-mail when sending your dispute notice, so that you can better track when that 30-day period may begin. If you want to learn more about the dispute process through Equifax, you can find their resource located here.

In addition, if you’re seeing large inaccuracies on your credit report, certified mail will be a great way to ensure that you set yourself up with the proper case material in the event that you file a lawsuit.

Is it better to report an error by phone or by mail?

It’s best to mail your inquiry into Equifax using certified mail. Especially if you’re seeing highly suspicious errors on your credit report.

The Fair Credit Reporting Act (FCRA) creates a layer of protection for consumers. And for those who are seeing large inaccuracies on their credit report, you may be eligible to sue for damages.

If you feel like you’d rather call by phone, Equifax can be reached at 1-888-378-4329.

Should I dispute errors online or by mail?

If you truly feel like you’re a victim of identity theft or credit reporting errors—you should almost never use the online portal to dispute these errors. In most cases, the bureau will have arbitration agreements as part of their online dispute process, which could prevent you from fighting the case in court (and suing both the credit reporting agency and the furnisher for damages).

An arbitration agreement is defined as “agreements require that persons who signed them resolve any disputes by binding arbitration, rather than in court before a judge and/or jury.”

What if the information on my credit report looks suspicious?

Shockingly, the rate of errors in credit reporting is alarmingly high, with around 20% of credit reports having confirmed errors. Moreover, approximately 13% of individuals experience errors that directly affect their credit scores, while 5% suffer from severe errors that can cost them valuable opportunities.

If you feel like this might be you, please take a look at our credit report error services page.