Dispute Strategies & Letters

How to Dispute Items with Equifax: Complete Guide

By Credit Booster Team | Published April 10, 2026 | Updated April 11, 2026

Step-by-step instructions for filing disputes with Equifax online, by mail, and by phone. Step-by-step guide from Credit Booster credit specialists.

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

Written by

Alexander Katsman

Credit & Finance Expert

Alexander Katsman has since 2009 of experience in the credit and finance industry. He has helped thousands of clients improve their credit scores and secure financing for their businesses.

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