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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 740241 Atlanta, GA 30374. By phone: Call the phone number shown on your credit report or call (866) 349-5191. Experian. Online: www.experian.com/disputes ...
This guide provides information and tools you can use if you believe that your credit report contains information that is inaccurate or incomplete, and you would like to submit a dispute of that information to the credit reporting company.
If you want to dispute information on a credit report, you may need to send a dispute letter to both the institution that provided the information, called the information furnisher, as well as the credit reporting company. Download our sample letter and instructions to submit a dispute with an information furnisher.
Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to: (1) The consumer's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there ...
If you find errors on your credit reports, you should dispute them with the credit reporting company (most often Equifax, Experian, or TransUnion) and the furnisher of the information. GETTING READY TO DISPUTE. Review the mistakes you identified in the “Reviewing your credit reports” tool.
You can submit a dispute to the credit reporting company by phone, by mail, or online. Explain the error and what you want changed. Clearly identify each mistake separately, state the facts, explain why you are disputing the information, and request that it be removed or corrected.
The Fair Credit Reporting Act (FCRA) is the federal law that, among other rights, gives you the right to dispute incomplete or inaccurate information on your credit reports. The credit reporting company must take steps to investigate the dispute when you notify them of an error.
You can find an example of a dispute letter on the Federal Trade Commission’s website – you may send a dispute letter to both the credit reporting company and the creditor or other entity that provided the information.
If you’ve noticed a billing error on your credit card statement and sent a written letter disputing the charge to your credit card company, they must acknowledge your dispute by sending you a billing error notice within 30 days of when they received your letter.
You may file your dispute online at each credit reporting agency’s website. If you file a dispute by mail, your dispute letter should include: Your complete name, address, and telephone number; your report confirmation number (if you have one); and the account number for any account you may be disputing.