Experian
How to dispute your Experian credit report
Experian is one of the three nationwide credit bureaus. Its file on you is maintained separately from Equifax and TransUnion, so a dispute filed with Experian only changes what Experian reports.
Pick the item you want to dispute
- How to dispute a collection account with Experian
- How to dispute a late payment with Experian
- How to dispute a charge-off with Experian
- How to dispute a hard inquiry with Experian
- How to dispute a medical collection with Experian
Experian dispute mailing address
ExperianP.O. Box 4500Allen, TX 75013Send by certified mail with return receipt so you have dated proof. You can also dispute through Experian’s online dispute center. Confirm the current address on Experian’s website before mailing.
Experian 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 Experian dispute
Upload your Experian 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.