Credit Bureau Contact Information: Phone Numbers, Dispute Addresses & Portals
AI-assisted drafting, human-reviewed and source-checked before publication — how we create content.
Reaching the right credit bureau at the right address is half the battle when disputing errors. This directory lists the verified phone numbers, mailing addresses for written FCRA disputes, and official online portals for Equifax, Experian, and TransUnion.
Equifax contact information
Consumer phone: 1-888-378-4329 (1-888-EQUIFAX). Fraud alerts and security freezes: 1-888-548-7878.
Written dispute mailing address: Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374.
Online dispute portal: https://www.equifax.com/personal/credit-report-services/credit-dispute/
Send disputes by USPS certified mail with return receipt so you have proof of delivery for the 30-day FCRA investigation clock.
Experian contact information
Consumer phone: 1-888-397-3742 (1-888-EXPERIAN). Fraud and identity theft: 1-888-397-3742.
Written dispute mailing address: Experian, P.O. Box 4500, Allen, TX 75013.
Online dispute portal: https://www.experian.com/disputes/main.html
Experian will accept a dispute referencing only the report number if you include it — but a full letter with account numbers and reasons produces stronger paper trails.
TransUnion contact information
Consumer phone: 1-800-916-8800. Fraud alerts: 1-800-680-7289.
Written dispute mailing address: TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016.
Online dispute portal: https://dispute.transunion.com
TransUnion is often the fastest of the three bureaus to respond, but written certified-mail disputes still create the cleanest legal record.
Which contact method should you use?
For a legally strongest FCRA dispute, mail a written letter via USPS certified mail with return receipt to the addresses above. The bureau then has 30 days under 15 U.S.C. § 1681i to investigate.
Online portals are faster but sometimes limit the evidence you can attach and the reasons you can select. Phone disputes are the weakest option — there is no paper trail.
Frequently asked questions
What to gather first
- A current copy of each credit report you want to review (Equifax, Experian, TransUnion) from AnnualCreditReport.com.
- Government-issued photo ID and proof of current address, which bureaus commonly request with a mailed dispute.
- Account statements, payment records, or letters that relate to the item you believe is inaccurate or incomplete.
- The exact account name, partial account number, and the reason you believe the entry is inaccurate or incomplete.
- A way to keep records: copies of what you send and, if mailing, proof of delivery.
Common mistakes to avoid
- Disputing information you know is accurate — that wastes the process and does not help you.
- Sending a vague dispute. Identify the specific item and explain what is inaccurate or incomplete.
- Disputing with only one bureau when the same entry appears on more than one report.
- Keeping no copies of what you sent, so you cannot show what was disputed or when.
- Paying a company that promises deletions or score increases — no one can promise those outcomes.
When to get additional help
Consider additional help if a bureau or furnisher does not respond, if an entry you believe is inaccurate stays on your report after a reinvestigation, if you may be affected by identity theft, or if you have questions about your legal rights.
- Submit a complaint to the Consumer Financial Protection Bureau.
- Report suspected identity theft at IdentityTheft.gov (FTC).
- For legal questions, consider consulting a licensed attorney in your state. This page is educational information, not legal advice.
How CreditKaren can help
CreditKaren is a free, AI-assisted tool that reviews a credit report you upload and highlights entries that may be inconsistent, incomplete, or worth a closer look. If you decide an item may be inaccurate or incomplete, CreditKaren can draft a dispute letter you can review, edit, and send yourself.
CreditKaren is not a law firm, credit bureau, lender, or credit-repair organization. It does not provide legal advice and does not guarantee deletions, dispute outcomes, or changes to your credit scores. You decide what to dispute and you send every letter.
Important limitation
Sources and further reading
Review your own credit report with CreditKaren
Use CreditKaren's AI-assisted educational tool to organize report entries you may want to investigate for accuracy. You review every result and decide whether to take action.
CreditKaren does not provide legal, financial, lending, or credit-repair advice. No dispute, deletion, score increase, approval, or other outcome is guaranteed.
Start an Educational Report ReviewRelated guides
How to Dispute an Error with Equifax (Step-by-Step)
Dispute Equifax credit report errors online, by mail, or by phone. Includes Equifax's mailing address, dispute portal details, and FCRA timeline.
How to Dispute an Error with Experian (Step-by-Step)
Dispute Experian credit report errors online, by mail, or by phone. Includes Experian's mailing address, dispute form details, and FCRA timeline.
How to Dispute an Error with TransUnion (Step-by-Step)
Dispute TransUnion credit report errors online, by mail, or by phone. Includes TransUnion's mailing address, dispute portal details, and FCRA timeline.
Who wrote this & how we work
This page is maintained by CreditKaren to answer common questions about the Fair Credit Reporting Act and our free AI credit-report auditor. It reflects current practices in the app and is not legal or financial advice.
Written by the CreditKaren Editorial Team. Every guide references FCRA, FDCPA, and CROA statutes with links to the U.S. Code.
AI assists our drafting. Official sources are linked and verified, and a human on the editorial team reviews every page before publication.
How CreditKaren parses your report, which patterns count as FCRA §611/§623 violations, and why each dispute letter is generated.
Free, ad-supported, and independent — not a law firm and not a credit-repair organization under CROA. You review and mail every letter.
CreditKaren is stateless: your uploaded credit reports are processed in memory to generate the audit and letters, then purged after your session. We don't require an account and don't retain your report PDFs.