Equifax dispute guide

How to dispute a collection account with Equifax

If a collection account on your Equifax credit report is inaccurate or incomplete, the Fair Credit Reporting Act gives you the right to dispute it and have Equifax investigate. This guide covers what counts as an error, what evidence to include, where to send it, what happens next, and a sample letter you can adapt.

What a collection account is

A collection account appears when an original creditor, or a debt collector that bought or was assigned the debt, reports an unpaid balance as sent to collections. The same debt can show up twice: once under the original creditor and once under the collector.

Under the Fair Credit Reporting Act, a collection can generally be reported for up to seven years from the date the account first went delinquent (plus up to 180 days). Paying it does not restart that clock, and selling the debt to a new collector should not restart it either.

Errors worth disputing

You can dispute information that is inaccurate or incomplete. Common collection account errors include:

The debt is not yours, or belongs to someone with a similar name
The balance is wrong, or still shows a balance after you paid or settled
The same debt is reported by more than one collector with a balance at the same time
The date of first delinquency is wrong, which can keep the item on your report longer than allowed
The account is older than the seven-year reporting period
The debt was discharged in bankruptcy but still shows a balance owed

When a dispute is not the right tool

If the collection is yours, the balance is right, and the dates are correct, it is accurate information and can legally stay on your report. Disputing accurate items usually comes back "verified" and adds nothing to your paper trail.

Evidence to gather first

A dispute is stronger when it points to a specific error and includes copies (never originals) of documents that show it:

Payment receipts, bank statements, or a settlement letter
A "paid in full" or settlement confirmation from the collector
Bankruptcy discharge papers listing the debt, if applicable
Original-creditor statements showing the real delinquency date
An FTC identity theft report from IdentityTheft.gov if the account is not yours

Also include a copy of a government-issued ID and a proof of address (such as a utility bill), and the section of your Equifax report with the item circled or highlighted. You can get free reports from all three bureaus at AnnualCreditReport.com.

How to send your dispute to Equifax

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.

Option 1: by mail (best paper trail)

Send your letter and copies of your evidence by certified mail with return receipt to:

Equifax Information Services LLCP.O. Box 740256Atlanta, GA 30374

Confirm the current dispute address on Equifax’s website before mailing.

Option 2: online

Equifax also accepts disputes through its online dispute center. Online is faster to submit, but mail gives you dated proof of exactly what you sent, which matters if you need to follow up or escalate.

What happens after you dispute

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.

If Equifax verifies the item and you still believe it is wrong, you can ask how it was verified, send new evidence, add a brief statement of dispute to your file, dispute directly with the company that reported it, or file a complaint with the Consumer Financial Protection Bureau.

You can also dispute with the collector

Separately from the bureau dispute, the Fair Debt Collection Practices Act lets you dispute a debt in writing with the collector. If you do this within the validation period stated on the collector's first notice (usually about 30 days), the collector must pause collection until it sends you verification. Keep copies of everything you send and receive.

Draft your Equifax letter in a few minutes

Upload your Equifax report, confirm the collection account you believe is wrong, and Dispute Ledger prepares a bureau-specific draft for you to edit — then tracks the 30-day window and the response.

Start free — no card required View sample flow

You choose every item and approve every letter. Results are not guaranteed.

Sample collection account dispute letter for Equifax

Replace everything in brackets. Keep it short, factual, and specific to the error.

[Your full name]
[Your street address]
[City, State ZIP]
[Date of birth]  ·  [Last 4 digits of SSN, or full SSN if requested]

[Date]

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374

Re: Dispute of inaccurate information — Collection Account

To whom it may concern:

I am writing to dispute information on my Equifax credit report that I believe is inaccurate. The item is:

Creditor / company name: [Name as shown on your report]
Account number (partial): [Last 4 digits]

This collection account is reported inaccurately. [Describe the specific error, for example: "I paid this account in full on MM/DD/YYYY, but it still reports a balance of $___" or "This account does not belong to me."]

Enclosed are copies of documents that support my dispute: [list each enclosure].

Under the Fair Credit Reporting Act, I request that you investigate this item and correct or delete any information that cannot be verified as accurate and complete. Please send me the results of your investigation and an updated copy of my report.

Sincerely,
[Signature]
[Printed name]

Enclosures: copy of ID, proof of address, [supporting documents]

Frequently asked questions

Will paying a collection remove it from my credit report?

Not automatically. A paid collection is still accurate history and can generally remain for up to seven years from the original delinquency. What should change is the balance, which should update to $0. If it still shows a balance after you paid, that is an inaccuracy you can dispute.

Should I dispute with the bureau or the collector?

You can do both. A bureau dispute asks the bureau to investigate what it reports. A written dispute to the collector, especially within the validation period, requires the collector to verify the debt before continuing to collect.

What if the same debt shows up twice?

When a debt is sold, the earlier owner should generally report a $0 balance and note the transfer. If two entries both show a balance owed for the same debt, dispute the duplicate and include any documents showing the transfer or sale.

How long does Equifax have to investigate a dispute?

Under the Fair Credit Reporting Act, Equifax generally must complete its investigation within 30 days of receiving your dispute, extendable to 45 days in some cases, and send you the results within 5 business days after it finishes.

Where do I mail a dispute to Equifax?

Dispute Ledger's current mailing address for Equifax disputes is Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374. Confirm the address on Equifax's website before mailing, since bureaus can change it.

Related guides

Each bureau investigates on its own, so check whether the same collection account appears on your other reports:

Other Equifax dispute guides:

This guide is general educational information, not legal advice. Accurate information can legally remain on your credit report, and no dispute outcome is guaranteed.