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3 Simple Ways to Dispute Your Equifax Credit Report

If you see inaccurate items on your Equifax credit report, you should dispute them immediately to get them removed. This is crucial, because inaccuracies on your credit report can be a sign of fraud or identity theft.

If you don’t how to start the process, do not despair just yet. From providing you with the correct Equifax mailing address to the right Equifax phone number, this article will explain how to dispute your Equifax credit report and win.

Generally, when you file an Equifax dispute to remove wrong items on your credit report, Equifax has 30 days to lead a investigation. But they can only remove the item if it is inaccurate or out of date.

There are 3 main ways to file your Equifax credit dispute: you can file it online, by phone, or by mail. Filing your Equifax dispute online is by far the easiest and the quickest. But this article will go over all three ways.

Best reason to dispute wrong items on your Equifax credit report?

Your credit report is one the first things lenders use to decide whether to offer you a loan or a credit card or even rent you an apartment. And inaccurate items can be a sign of identity theft or fraud. That can negatively impact your credit score.

Note that the mistake can be made either by Equifax itself or your credit provider.

So how does the dispute process work? Here we go….

Click here for a free copy of your credit report through Credit Sesame

Filing your Equifax online dispute:

Equifax dispute
Equifax online dispute

As mentioned earlier, the Equifax online dispute is by far the best and fastest way to dispute your Equifax credit report. All you need to do is go to their website here.

You will need to sign in or create an account. So you need to enter your personal information such as your name, address, phone number, email address and social security number. This is required mainly to verify your identity.

Other items you might need to provide include anything from a copy of a utility bill, to a bank statement to a letter from a lender. However, whatever documents Equifax require of you to submit depends on the items you’re disputing.


Prevent Identify theft – check your credit report regularly

Check your credit report periodically from credit monitoring services such as Credit Sesame or Credit Karma, so there are no surprises. Credit Sesame or Credit Karma will start monitoring your credit score for you. Sign-up for Credit Sesame now to get started now; it only takes 30 seconds! And it’s 100% free to join.


Once you submit your dispute, Equifax has 30 days to conduct an investigation. In the meantime, you can always check the status of your Equifax dispute by creating or signing into your account.

If something is indeed wrong on your credit report, they will remove it.

Dispute incorrect items on your Equifax report by phone:

Is the Equifax online dispute not working? If that is the case, your other option is to contact Equifax by phone. The Equifax dispute number is (866) 349-5191. They are open from 8 a.m. to midnight, Eastern Time, 7 days a week.

You might need to provide some documents, however. Click here to see what documents you might be required to provide in order to start the process.

How to dispute inaccuracies on your Equifax credit file by mail

Equifax dispute
Equifax mailing address

To dispute your Equifax credit report by mail, you will need to mail them some documents. Which documents you provide really depends on what you are disputing.

For example, you may be disputing your personal information. You may be disputing current address. Or you may be disputing an account or other information you see on your credit report.

Here’s the Equifax mailing address you need to submit the documents to:

Equifax dispute address:

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

Disputing personal information on your Equifax credit report:

Here’s a list of some documents that may have to submit to Equifax if your dispute is personal information. If you’re disputing your name, you can choose one of the following:

  • A copy of your passport;
  • A copy of your birth certificate;
  • Marriage certificate with current name;
  • Copy of military ID.

If you are disputing your social security number, then choose one of the following documents to submit:

  • A copy of your social security number card;
  • Copy of your W-2 with your social security number;
  • Your pay stub with your social security on it.

Disputing your current address

Here’s what you need to provide to dispute your current address on your Equifax credit report. Choose one of the following documents below:

  • Copy of a current government ID or a valid Driver’s license;
  • A bank statement;
  • A copy of a utility bill, such as gas bill, electricity bill, or cable bill;
  • A copy of your rental or lease agreement.

Disputing account or other information

To dispute accounts or other information, you need one of these documents:

  • A copy of a current bank statement with account information
  • Proof that an account was due to fraud or identity theft – a good example would be a police report;
  • Copies of court documents;
  • Copies from credit providers showing that the account has been corrected, etc.

To help the investigation run smoothly and quickly, make sure the documents you’re submitting are clear and eligible. So if you need to enlarge a driver’s license ID, pleas do so.

To recap:

You can dispute inaccuracies on your Equifax credit report three ways: by mail, by phone, or online. The Equifax online dispute is the easiest and quickest.

To start the process online, click here through myEquifax. If you are a new user, you will have to create an account to sign in. If you’re an existing user, then you can just use your login information to start the process.

The Equifax dispute address is: Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374-0256.

You can also file a dispute by phone. The Equifax dispute number is: (866) 349-5191, 8 a.m. to midnight ET, 7 days a week.

If you need an Equifax dispute fax number, contact them here.

As mentioned earlier, most investigations are completed within 30 days. If you file your dispute via mail, you will receive the results of your investigation via US mail.

It is submitted online, then you can get your results via email. If it is done via phone, then you have the option of receiving your results either via email or U.S. mail.

The bottom line…

Your credit report, especially your credit score, is important. Indeed lenders rely on it very heavily to assess whether you’re good at managing debt. So you may want to dispute any inaccuracies on your Equifax credit report sooner rather than later.

Related articles:

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