Experian dispute address by mail

To dispute an error on your Experian credit report by mail, you'll need to follow these steps:

1. Obtain a copy of your credit report: You can request a free copy of your Experian credit report from AnnualCreditReport.com or through the Experian website. Review your report to identify the errors you want to dispute.
2. Gather supporting documentation: Collect any supporting documents that prove the errors are incorrect, such as:
   • Canceled checks or bank statements
   • Credit card statements
   • Loan documents
   • Letters from creditors
3. Write a dispute letter: Use the following format to write your dispute letter:

Your Name Your Address City, State, ZIP Date

Experian Dispute Department P.O. Box 4500 Allen, TX 75013-0947

Dear Dispute Department:

• Identify the specific errors you're disputing, including the account number, date, and description of the error.
• Explain the correct information and provide supporting documentation.
• Clearly state that you're disputing the error and request that it be corrected.
• Include your name and address as they appear on your credit report.

Example:

Dear Dispute Department,

I am writing to dispute the following errors on my Experian credit report:

• Account number XXXXXXXX: The account is listed as "late" when it was actually paid on time.
• Account number YYYYYYYY: The account is listed as "charged off" when it was actually settled in full.

I have attached supporting documentation, including canceled checks and bank statements, to prove that the accounts were paid on time and settled in full. I request that these errors be corrected as soon as possible.

Sincerely,

Your Name

4. Sign and date the letter: Make sure to sign and date the letter.
5. Mail the letter: Send the letter to the Experian Dispute Department at the address listed above. Make sure to use certified mail with return receipt requested to ensure that Experian receives your letter.
6. Wait for a response: Experian will investigate your dispute and respond to you in writing within 30-45 days. If the error is found to be incorrect, they will correct it and notify you. If the error is verified, they will provide you with information on how to dispute it further.

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