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Dispute Strategies & Letters

Equifax Dispute Address, Phone and Online Form

Equifax dispute address, phone number and online form, plus what to include so the dispute is not rejected. Mail to P.O. Box 740256, Atlanta, GA 30348.

By Alexander KatsmanPublished Updated
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Equifax dispute address, phone number and online form, plus what to include so the dispute is not rejected. Mail to P.O. Box 740256, Atlanta, GA 30348.

Equifax dispute address and contact details

Mailing addressEquifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348
Phone(866) 349-5191
Onlineequifax.com/personal/credit-report-services/credit-dispute/
Send disputes by certified mail with return receipt. The date Equifax receives your letter starts the 30 day reinvestigation clock under section 611 of the FCRA, and without proof of delivery there is no deadline you can enforce.

What to include so it is not rejected

  • Your full name, current address, date of birth and Social Security number
  • A copy of a government issued photo ID and a utility bill or bank statement showing your address
  • The account number and creditor name for every item you are disputing
  • Exactly what is wrong with each item, one item at a time
  • Copies of any supporting documents, never the originals
  • Incomplete identification is the most common reason a mailed dispute comes back without being investigated.

    Disputing with Equifax

    Method 1: Online

  • Go to equifax.com/personal/disputes
  • Create or sign into your account
  • Select the item(s) to dispute
  • Choose your reason
  • Upload supporting documents
  • Submit
  • Method 2: By Mail (Recommended)

    Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256

    Why mail is better: Creates a paper trail, harder for them to use generic responses, certified mail proves delivery.

    Method 3: By Phone

    (866) 349-5191

    What Equifax Must Do

  • Investigate within 30 days (45 if you send additional info)
  • Forward your dispute to the data furnisher
  • Review all relevant information you provide
  • Remove or modify inaccurate information
  • Send you written results
  • Pro Tips for Equifax Disputes

  • Equifax tends to be more responsive to detailed disputes
  • Always include your Equifax file number
  • Reference specific sections of the FCRA
  • AK

    Written by

    Alexander Katsman

    Founder, Credit Booster & Credit Booster AI

    Alexander Katsman has spent more than 15 years in credit and finance, helping thousands of people and small business owners dispute inaccurate reporting, rebuild their scores, and get approved for funding they were once denied. His latest project, Credit Booster AI, puts that entire toolkit in everyone's hands, using AI to make fixing, building, and funding your credit accessible to all.

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