Where to Mail a Credit Dispute Letter
Mail disputes to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256; Experian, P.O. Box 4500, Allen, TX 75013; and TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000. Send by certified mail with a return receipt, and include copies (never originals) of your ID, proof of address and evidence. The bureau generally has 30 days from receiving your dispute to investigate (45 if you send more information or disputed after your free annual report). Bureaus sometimes update addresses, so confirm on each bureau's dispute page before mailing.
More real-life situations: paid it off but it's still there, my ex ruined my credit, a family member used my name, and where to mail your dispute.
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Credit Bureau Dispute Mailing Addresses
Addresses as published by each bureau as of November 2026. Confirm on the bureau's own site before mailing.
| Bureau | Mail disputes to | Online / phone |
|---|---|---|
| Equifax | Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256 | equifax.com dispute center · 1-866-349-5191 |
| Experian | Experian, P.O. Box 4500, Allen, TX 75013 | experian.com/disputes · 1-888-397-3742 |
| TransUnion | TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000 | transunion.com/credit-disputes · 1-800-916-8800 |
What to Put in the Envelope
- Your dispute letter: name, address, date of birth, last 4 of SSN, the exact account and what's wrong, and what you want changed.
- A copy of a government ID and a recent utility bill or bank statement showing your address.
- Copies of evidence: payment confirmations, letters from the creditor, an FTC identity theft report.
- A copy of your credit report with the error circled or highlighted.
- Keep a full copy of everything you send and the certified mail receipt.
Mail vs. Online: Which Is Better?
Online disputes are faster, but the forms limit how much you can explain and may ask you to agree to terms. Certified mail creates a dated paper trail, which matters if the bureau ignores you and you later file a CFPB complaint or talk to a lawyer. Many people dispute online and keep screenshots; if the error comes back verified but still wrong, they escalate by mail. See verified but still wrong.
Also Dispute With the Company That Reported It
You can also send a dispute directly to the creditor or collector (the 'furnisher') at the address listed on your report. Furnishers must investigate direct disputes in many cases. Use our dispute timeline calculator to track deadlines.
CreditKaren is a free AI credit report analyzer: upload your Equifax, Experian, or TransUnion report and get a Hit List of entries worth a closer look plus draft dispute letters you review and mail yourself. No subscription, no card, and your report is discarded after analysis. CreditKaren is not a credit repair company and cannot guarantee results. Try CreditKaren free.
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
- Equifax — Dispute information on your credit report
- Experian — Dispute center
- TransUnion — Dispute your credit report
- 15 U.S.C. § 1681i — Procedure in case of disputed accuracy (Cornell LII)
- CFPB — How do I dispute an error on my credit report?
- Federal Trade Commission — Disputing Errors on Your Credit Reports
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 ReviewWho 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-assisted educational credit report review tool. 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.
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