Equifax dispute guide
How to dispute a hard inquiry with Equifax
If a hard inquiry 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 hard inquiry is
A hard inquiry is recorded when a lender pulls your credit because you applied for credit, such as a card, loan, or financing. Checking your own report and most pre-approval offers are soft inquiries and do not appear to lenders.
Hard inquiries typically stay on your report for about two years, and their effect on most scores fades well before that.
Errors worth disputing
You can dispute information that is inaccurate or incomplete. Common hard inquiry errors include:
- An inquiry from a lender you never applied with
- An inquiry that came from identity theft or a fraudulent application
- An inquiry from a dealer or lender that pulled your credit without your permission
- Duplicate inquiries for the same single application
When a dispute is not the right tool
If you applied for the credit, the inquiry is accurate even if you were denied or decided not to take the loan. Only unauthorized or incorrect inquiries are inaccurate.
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:
- An FTC identity theft report from IdentityTheft.gov, if the inquiry came from fraud
- A police report, if you filed one
- Any correspondence showing you did not apply or did not authorize the pull
- Records of the one application you did make, if there are duplicates
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 30374Confirm 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.
If it is identity theft, use the identity theft process
For inquiries or accounts caused by identity theft, file a report at IdentityTheft.gov first. The Fair Credit Reporting Act lets you ask a bureau to block information resulting from identity theft when you send that report with proof of identity. Also consider a free fraud alert or a credit freeze with each bureau.
Draft your Equifax letter in a few minutes
Upload your Equifax report, confirm the hard inquiry 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.
You choose every item and approve every letter. Results are not guaranteed.
Sample hard inquiry 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 — Hard Inquiry 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 hard inquiry was not authorized by me. [Name the company and date, for example: "I did not apply for credit with [company] and did not authorize the inquiry dated MM/DD/YYYY."] 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
Can I remove a hard inquiry for a loan I applied for?
If you applied, the inquiry is accurate and generally stays for about two years. Disputes are for inquiries you did not authorize.
Do multiple inquiries for one car or mortgage count separately?
Many scoring models treat several auto, mortgage, or student-loan inquiries within a short shopping window as one. They may still all appear on your report, which is not by itself an error.
What should I do if inquiries came from identity theft?
File a report at IdentityTheft.gov, place a fraud alert or freeze, and send the bureau your identity theft report with proof of identity to request a block of the fraudulent information.
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 hard inquiry appears on your other reports:
Other Equifax dispute guides:
- 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 medical collection with Equifax
This guide is general educational information, not legal advice. Accurate information can legally remain on your credit report, and no dispute outcome is guaranteed.