How do I correct or dispute inaccuracies on my Equifax credit file?

For updates or changes to your name or address:

If your personal information (e.g. name, address) is incorrect on your credit file, we recommend that you first contact each of your creditors and confirm that your personal information is correct in their records. Updating your personal information with your creditors will help to make sure that information reported to Equifax by your creditor is correct.

For inaccuracies in your credit history:

If you believe that any item of information contained in your credit file is incomplete or inaccurate and notify us directly, we will investigate the item free of charge. Based on the result of the investigation, we will either update the current status of the disputed information (which may include letting you know if the furnisher of the information verified it was reporting correctly) or delete the item from your file.

For inaccuracies in your credit history with respect to public record items:

If you believe that any item of public record information contained in your credit file is incomplete or inaccurate and notify us directly, we will investigate the item free of charge. Your dispute will be assigned a confirmation number allowing you to track the status of your dispute. Based on the result of the investigation, we will either update the current status of the disputed information, verify that the item is reporting accurately, or delete the item from your file.

You may submit documentation to us as part of your dispute. Any document submitted by a consumer who has initiated a dispute to update or remove a public record item will be reviewed by Equifax. Certain documents that meet Equifax’s criteria (for example, the document must include a case number/docket number and/or page/book number that matches the information reflecting on the credit file) will be accepted to update or suppress a public record item with no further reinvestigation.

Save time and initiate an investigation through our easy-to-use Online Dispute website.

 Click Here to begin the process.

You could also choose to write us at:

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

Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information are the subject of your dispute.

Please note that the results of the investigation will be mailed to you, however if an email address is provided in your written correspondence a link will be emailed to you that will allow you to view the results of the investigation online. We will notify you of the results of the investigation within 30 days of your request.

If you find an inaccuracy with one credit reporting agency, you may want to get your credit file from the other two agencies to see if their files contain the same error.

Experian 1-888-397-3742: www.experian.com
TransUnion 1-800-916-8800: www.transunion.com

*Click Here for more information about the Credit Dispute Process

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