Dispute equifax by mail

Disputing an error on your Equifax credit report by mail involves sending a written dispute letter to Equifax and providing supporting documentation to verify the error. Here's a step-by-step guide to help you dispute an error on your Equifax credit report by mail:

Step 1: Gather necessary information

• Your Equifax credit report: You can request a free copy of your credit report from Equifax once every 12 months from AnnualCreditReport.com. Review your report to identify the error(s) you want to dispute.
• Supporting documentation: Collect any relevant documents that support your dispute, such as:
  • Proof of payment (cancelled checks, bank statements, or receipts)
  • Proof of identity (driver's license, passport, or Social Security card)
  • Proof of address (utility bills, lease agreements, or bank statements)

Step 2: Write your dispute letter

• Use a standard business-sized envelope (9 x 12 inches) and a clear, legible font.
• Include the following information:
  • Your name and address
  • The error(s) you're disputing, including the account number(s) and the specific information that's incorrect
  • A clear explanation of why you're disputing the error
  • Any supporting documentation you're including
  • Your signature
• Keep a copy of your dispute letter for your records.

Step 3: Send your dispute letter

• Mail your dispute letter to the following address: Equifax P.O. Box 740256 Atlanta, GA 30374-0256

Step 4: Follow up

• After sending your dispute letter, you can expect Equifax to investigate your dispute within 30-45 days. If the error is verified, Equifax will correct it and send you a revised credit report.
• If the error is not verified, Equifax will send you a letter explaining why the error was not corrected.
• If you're not satisfied with the outcome, you can escalate the dispute to the Consumer Financial Protection Bureau (CFPB) or file a complaint with the Federal Trade Commission (FTC).

Sample Dispute Letter

[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]

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

Dear Equifax Dispute Resolution Team,

I am writing to dispute the following error on my Equifax credit report:

• Account Number: [Insert account number]
• Error: [Insert specific error, e.g., "incorrect payment history" or "unauthorized account opening"]

I have reviewed my credit report and found that the above-mentioned error is incorrect. I have attached supporting documentation to verify the error, including [insert supporting documentation, e.g., "a cancelled check showing payment was made on [date]"].

I request that you investigate this dispute and correct the error as soon as possible. Please verify the accuracy of the information and update my credit report accordingly.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Signature]

Remember to keep a copy of your dispute letter and any supporting documentation for your records.