How to dispute credit report equifax by mail

Disputing a credit report with Equifax by mail is a straightforward process. Here's a step-by-step guide to help you dispute errors on your Equifax credit report:

Gather necessary documents and information:

1. Your Equifax credit report: You can request a free credit report from Equifax once every 12 months from AnnualCreditReport.com. Review your report carefully to identify errors.
2. Documentation to support your dispute: Collect any relevant documents that prove the errors, such as:
   • Canceled checks or bank statements
   • Credit card statements
   • Loan documents
   • Identification documents (e.g., driver's license, passport)
3. A clear and concise dispute letter: Write a letter that clearly states the errors you're disputing and the corrections you're requesting.

Dispute letter format:

1. Start with your name, address, and Social Security number (or Individual Taxpayer Identification Number).
2. Clearly state the errors you're disputing, including the account number, date, and description of the error.
3. Provide supporting documentation to back up your dispute.
4. Specify the corrections you're requesting, such as "Remove the late payment notation" or "Update the account status to 'paid in full'."
5. Sign the letter and include your contact information.

Sample dispute letter:

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

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

Dear Equifax Dispute Resolution Team,

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

• Account number [Account Number]: The account is listed as "late" on [Date], but I paid the bill on [Date]. I have attached a copy of the canceled check and bank statement to support my claim.
• Account number [Account Number]: The account is listed as "charged off" on [Date], but I paid the debt in full on [Date]. I have attached a copy of the loan document and payment receipt to support my claim.

I request that you correct these errors by removing the late payment notation and updating the account status to "paid in full" for both accounts.

Please investigate this matter and correct my credit report accordingly. If you need any additional information, please contact me at [Your Phone Number] or [Your Email Address].

Sincerely,

[Your Signature]

Mail the dispute letter:

1. Send the dispute letter to the address listed above: Equifax Credit Reporting Agency, P.O. Box 740256, Atlanta, GA 30374-0256.
2. Make sure to use certified mail with return receipt requested to ensure that Equifax receives your letter and to track the delivery.

Follow-up:

1. Wait 30-45 days for Equifax to investigate and respond to your dispute.
2. If you don't receive a response or if the errors are not corrected, you can contact Equifax's dispute resolution team at (800) 685-1111 or [email protected].
3. If you're not satisfied with the outcome, you can also consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) or your state's Attorney General's office.

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