Last updated: 26 October 2026. Written by Ankur Pandey, AI Credit Care. Addresses, phone numbers and dispute links checked on each bureau’s official website, and legal points checked against the CFPB, the FTC and the Fair Credit Reporting Act, on 21 October 2026. AI Credit Care is not affiliated with Equifax, Experian or TransUnion.
Quick answer: Mail Equifax disputes to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256 (phone 1-888-378-4329). Mail Experian disputes to Experian, P.O. Box 4500, Allen, TX 75013 (call the number printed on your Experian report). Mail TransUnion disputes to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000 (phone 800-916-8800). All three also take disputes online, and disputing is free.
Many pages listing these addresses are copied from old templates. This one is taken from the bureaus’ own pages, and it also covers how to mail a dispute with a clean paper trail. New to disputes? Start with how to fix credit report errors.
Credit bureau dispute addresses and phone numbers (2026)
Each bureau keeps its own file on you, so dispute with every bureau whose report shows the mistake. These details were listed on each bureau’s site on 21 October 2026.
| Bureau | Online dispute page | Dispute mailing address | Phone | Notes |
|---|---|---|---|---|
| Equifax | Equifax dispute page (sign in to myEquifax) | Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256 | 1-888-EQUIFAX (1-888-378-4329) | Free dispute form asks for one proof of identity showing your Social Security number and one proof of current address. |
| Experian | Experian dispute page (sign in or create an account) | Experian P.O. Box 4500 Allen, TX 75013 | Experian says to call the number printed on your Experian report. The CFPB lists (888) 397-3742. | Free dispute form. Experian says it cannot return copies from a mailed dispute. |
| TransUnion | TransUnion dispute page | TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000 | 800-916-8800 | Accepts standard or certified mail. See its mail or phone page. |
Phone hours change, so check the bureau’s contact page before calling. If your report lists a specific dispute address or phone number, use that.
Other official bureau addresses: credit freeze, fraud alerts and free reports
These addresses are not for disputes. Bureaus sort mail by P.O. box, so use each one only for its listed purpose.
| Purpose | Equifax | Experian | TransUnion |
|---|---|---|---|
| Security freeze by mail | Equifax Information Services LLC, P.O. Box 105788, Atlanta, GA 30348-5788 (freeze form) | Experian Security Freeze, P.O. Box 9554, Allen, TX 75013 (freeze page) | TransUnion, P.O. Box 160, Woodlyn, PA 19094 (freeze page) |
| Fraud alert by mail | Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348-5069 (fraud alert form) | Experian, P.O. Box 9554, Allen, TX 75013 (fraud alert page) | TransUnion, P.O. Box 2000, Chester, PA 19016 (fraud alert page) |
| Freeze or fraud alert by phone | 888-298-0045 (freeze line on Equifax’s freeze page) | 1-888-397-3742 | 800-916-8800 (automated freeze line: 888-909-8872) |
Free credit reports by mail go to a shared address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281, or call (877) 322-8228, per the CFPB.
Before you dispute: pull your current reports
You can get a free report from each bureau every week at AnnualCreditReport.com. The FTC says the bureaus have permanently extended free weekly access.
Then ask of each item: is this wrong? A dispute is for information that is inaccurate, incomplete or cannot be verified. Accurate, current negative information cannot be removed by anyone, including a bureau, a lawyer or a credit repair company. Do not dispute something you know is correct. The FTC lists urging people to do that as a scam warning sign.
Online, by mail or by phone: which should you use?
All three channels are free and trigger the same legal duty to investigate. They differ in speed and in how much proof you keep.
Disputing online
- Pros: quickest to file, lets you upload documents and track status. Equifax says online disputes are generally completed within about 30 days.
- Cons: you need an account with each bureau, and preset reason codes may not fit your situation. Save every confirmation page.
Disputing by mail
- Pros: you explain the problem in your own words, choose your documents, and get a paper trail. The FTC suggests certified mail with a return receipt as proof the bureau received it.
- Cons: slower, costs postage, and the bureau may ask for proof of identity and address.
Disputing by phone
- Pros: handy for a simple error, such as a wrong address.
- Cons: no document you control. Note the date, time, representative’s name and confirmation number, and follow up in writing for anything complex.
For a debt you do not owe or other high-stakes errors, mail usually gives the better record. For collection accounts, see how to dispute a collection on your credit report.
How to send a dispute by mail the right way
The CFPB publishes a free sample dispute letter, and Equifax and Experian publish free forms. Based on the CFPB, the FTC and the bureaus, include:
- Your full name (with middle initial and any suffix), date of birth, current address, and addresses from the past two years (Experian’s form asks for these).
- Your Social Security number, which TransUnion’s mail instructions ask for.
- Your report or confirmation number, if you have one.
- Each disputed item: company name, partial account number as shown on your report, and what is wrong.
- A short, factual explanation of why it is wrong and a request that the bureau correct it.
- A copy of the report page with the disputed item circled or highlighted.
- Copies of supporting documents, never originals.
- A copy of a government-issued ID and of a utility bill, bank statement or insurance statement.
Then:
- Send one envelope per bureau, to that bureau’s dispute P.O. box above.
- Make copies readable. Equifax’s form asks you to enlarge small print and warns against copies that are not legible.
- Use certified mail with a return receipt, or another service with proof of delivery.
- Sign and date the letter, and keep a full copy of the package as sent.
Also dispute with the company that reported it
The furnisher is the lender, card issuer, landlord or collector that sent the information. The CFPB says fixing an error generally means contacting both the bureau and the furnisher. Under 12 CFR 1022.43, you can dispute directly at the address on your credit report or the address the furnisher names for disputes. Include your account details, what is wrong and why, and supporting copies.
The furnisher must investigate within the same time limit a bureau has (generally 30 days, says the CFPB). If the information is inaccurate, it must notify each bureau it reported to and send the correction. It can treat a dispute as frivolous if it lacks enough information or repeats an earlier one, but must tell you within five business days. The rule also lets a furnisher decline a direct dispute that was submitted by, prepared by, or sent on a form supplied by a credit repair organization, so write and send direct disputes to the furnisher yourself, in your own words.
What happens after you send it: 30 days, sometimes 45
Under 15 U.S.C. 1681i, the bureau must:
- Notify the furnisher within 5 business days of receiving your dispute.
- Finish within 30 days. It can extend by up to 15 days (45 total) if you send relevant new information during the first 30 days.
- Finish within 45 days if the dispute follows a free report from the central free report source, under 15 U.S.C. 1681j(a)(3).
- Send you written results within 5 business days after finishing, with a copy of your report reflecting any changes and notice of your right to add a statement.
The law says information that is inaccurate, incomplete or cannot be verified must be deleted or modified. That is a legal standard, not a promise: if the furnisher confirms accurate information, it stays. More on timing in how long a credit dispute takes.
Keep records of everything
- Copies of each letter and enclosure, exactly as sent.
- Mail receipts, return receipts or tracking printouts.
- Screenshots of online confirmations and notes from calls.
- Every response, plus your report before and after the investigation.
What to do if your dispute is rejected or nothing changes
If a bureau calls your dispute frivolous or irrelevant, it must tell you within 5 business days and say what information it needs. Often the fix is sending the missing document. If the bureau verified the item and you still believe it is wrong:
- Dispute directly with the furnisher, with stronger documents.
- Ask the bureau how it verified the item. Section 1681i gives you that right.
- Add a brief statement of dispute to your file (the law lets the bureau limit it to 100 words in some cases).
- File a complaint with the CFPB at consumerfinance.gov/complaint.
Check the CFPB’s current rules first. Its credit reporting complaint notice says you are required by law to first dispute directly with the credit reporting company, and you must attest that your dispute was submitted more than 45 days ago or is no longer pending. The CFPB may stop processing a complaint if the company says you did not dispute with it first.
Warning: check every address yourself and do not pay for letter templates
Before you mail anything, open the bureau’s own dispute page from the table above and confirm the address. Do not copy one from a forum, document-sharing site or template download without checking.
You do not need to pay for a “dispute letter.” The CFPB sample letter and bureau forms are free, and Experian says credit disputes are always free. Be careful with anyone who:
- Charges before doing any work. The FTC says it is illegal for credit repair companies to charge you before they help you.
- Tells you not to contact the bureaus yourself.
- Suggests disputing accurate information, or offers a new credit identity or CPN.
- Promises a specific result or score change.
See credit repair scam red flags for more warning signs.
Do you need a credit repair company for this?
No. You can do everything in this guide yourself for free. The FTC notes that anything a credit repair company can do legally, you can do on your own for little or no cost. If you want help spotting what to dispute, the free analysis at AI Credit Care reviews your Equifax, Experian and TransUnion reports, flags items that look inaccurate, incomplete or unverifiable, explains why, and drafts disputes that you review and approve before anything is sent.
Frequently asked questions
What is the Equifax dispute address?
Equifax lists Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256 for mailed disputes. Equifax also publishes a printable dispute form that asks for one proof of identity with your Social Security number and one proof of your current address. You can also dispute online through myEquifax or by calling 1-888-378-4329.
What is the Experian dispute address and phone number?
Experian takes mailed disputes at Experian, P.O. Box 4500, Allen, TX 75013, and publishes a dispute form on its site. For phone disputes, Experian says to call the number printed on your Experian credit report. Send copies of documents rather than originals, because Experian says it cannot return copies from a mailed dispute.
What is the TransUnion dispute address?
TransUnion lists TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000 for mailed disputes and 800-916-8800 for phone disputes. TransUnion says it accepts standard or certified mail. Include your name, date of birth, address, Social Security number, the company name and partial account number, and your reason for disputing.
How long does a credit bureau have to investigate a dispute?
Under the Fair Credit Reporting Act, a bureau generally has 30 days from receiving your dispute. It can extend to 45 days if you send relevant new information during those 30 days, and 45 days applies to disputes made after a free report from the central source. Results must be sent to you in writing.
Do I have to pay to dispute my credit report?
No. Disputing with Equifax, Experian, TransUnion and the furnisher is free, and you can do every step yourself. The CFPB publishes a free sample dispute letter, and Equifax and Experian offer free dispute forms. Be cautious of any site that charges for dispute letter templates or asks for payment before doing any work.
Sources
- Equifax: credit dispute page
- Equifax: disputing by mail
- Equifax: dispute form (PDF)
- Equifax: contact us
- Equifax: freeze form (PDF)
- Equifax: fraud alert form (PDF)
- Experian: dispute page
- Experian: dispute form (PDF)
- Experian: how to dispute
- Experian: are disputes free?
- Experian: security freeze
- Experian: fraud alert
- TransUnion: dispute your credit
- TransUnion: dispute by mail or phone
- TransUnion: freeze by mail or phone
- TransUnion: fraud alert by mail or phone
- CFPB: how to dispute a credit report error
- CFPB: sample dispute letter (PDF)
- CFPB: bureau dispute contacts
- CFPB: free credit reports
- CFPB: submit a complaint
- CFPB: credit reporting complaint notice
- FTC: disputing errors on your credit reports
- FTC: free credit reports
- FTC: fixing your credit FAQs
- 15 U.S.C. 1681i (Cornell LII)
- 15 U.S.C. 1681j (Cornell LII)
- 12 CFR 1022.43 (eCFR)
- AnnualCreditReport.com
About this guide. Written by Ankur Pandey for AI Credit Care. AI Credit Care is not affiliated with Equifax, Experian or TransUnion. This is general information, not legal or financial advice. AI Credit Care is a credit repair organization under the Credit Repair Organizations Act. You have the right to dispute inaccurate information on your credit report yourself, free of charge, directly with the credit bureaus.