Equifax
How to dispute your Equifax credit report
Equifax is one of the three nationwide credit bureaus. It keeps its own file on you, separate from Experian and TransUnion, so an error on your Equifax report has to be disputed with Equifax directly.
Pick the item you want to dispute
- How to dispute a collection account with Equifax
- How to dispute a late payment with Equifax
- How to dispute a charge-off with Equifax
- How to dispute a hard inquiry with Equifax
- How to dispute a medical collection with Equifax
Equifax dispute mailing address
Equifax Information Services LLCP.O. Box 740256Atlanta, GA 30374Send by certified mail with return receipt so you have dated proof. You can also dispute through Equifax’s online dispute center. Confirm the current address on Equifax’s website before mailing.
Equifax dispute timeline
- Day 0: The bureau receives your dispute. Send by certified mail with return receipt, or file online, and keep proof of the date.
- Within 5 business days: The bureau must notify the company that reported the item and pass along the relevant information you provided.
- Within 30 days: The bureau must complete its investigation. This can extend up to 15 more days (45 total) in some cases, such as when you send additional information during the investigation.
- Within 5 business days after: The bureau must send you the written results. If the item was changed or deleted, you get a free updated report.
Organize your Equifax dispute
Upload your Equifax report, choose what you believe is inaccurate, and keep every letter, mailing date, and response in one place.
You choose every item and approve every letter. Results are not guaranteed.
General educational information, not legal advice. Accurate information can legally remain on your report.