What is the Equifax dispute mailing address?

Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374. Include copies (not originals) of supporting documents and send via certified mail with return receipt requested.

What is the Experian dispute mailing address?

Experian, P.O. Box 4500, Allen, TX 75013. Include your dispute letter, copies of supporting documents, and a copy of your credit report with disputed items highlighted.

What is the TransUnion dispute mailing address?

TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000. Include documentation supporting your dispute and send via certified mail for tracking.

Credit Report Dispute Mailing Addresses (2026) — All 3 Bureaus

Found an error on your credit report? Disputing by mail creates a paper trail that online disputes don't. Here are the correct mailing addresses for all three credit bureaus in 2026.

💡 Why dispute by mail?

Mail disputes create a physical paper trail. You can include certified copies of documents, and the certified mail receipt proves exactly when you mailed your dispute — crucial if you need to escalate later.

Equifax Dispute Mailing Address

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

Equifax Dispute Options

Method	Details
Mail	P.O. Box 740256, Atlanta, GA 30374
Online	equifax.com/personal/credit-report-services
Phone	1-866-349-5191

Equifax Processing Time

Standard disputes: 30 days (required by FCRA)
Complex disputes: Up to 45 days if additional information is provided
Free credit report after investigation: Sent within 5 business days of completion

Experian Dispute Mailing Address

Experian
P.O. Box 4500
Allen, TX 75013

Experian Dispute Options

Method	Details
Mail	P.O. Box 4500, Allen, TX 75013
Online	experian.com/disputes
Phone	1-866-200-6020

Experian Processing Time

Standard disputes: 30 days
Online disputes: Often resolved within 15-20 days
Updated credit report: Provided if changes are made

TransUnion Dispute Mailing Address

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

TransUnion Dispute Options

Method	Details
Mail	P.O. Box 2000, Chester, PA 19016-2000
Online	transunion.com/credit-disputes
Phone	1-800-916-8800

TransUnion Processing Time

Standard disputes: 30 days (FCRA requirement)
Extended timeline: Up to 45 days for complex disputes with additional documentation
Notification: Results mailed within 5 days of completion

📊 Dispute success rates

According to FTC studies, approximately 40 million Americans have errors on their credit reports. Of those who dispute, about 63% see some correction or deletion of disputed items. Mail disputes have slightly higher success rates than online disputes due to the ability to include detailed documentation.

What to Include in Your Dispute Letter

Each dispute letter should include:

Required Information

Your full name (including maiden name or aliases if applicable)
Current address
Social Security Number (or at least last 4 digits)
Date of birth
Each item you're disputing — clearly identify the creditor and account number
Explanation of why it's inaccurate — be specific
Requested action — delete, correct, or verify

Supporting Documents (Copies Only)

Copy of your credit report with disputed items highlighted
Payment records — bank statements, cancelled checks, account statements
Correspondence — letters from creditors, collection agencies
Legal documents — court records, police reports (for identity theft)
ID verification — copy of driver's license and utility bill (optional but helpful)

⚠️ Never send originals

Only send COPIES of your documents. The credit bureau will not return your documentation. Keep originals for your records.

Why Certified Mail Matters

Always send your dispute via USPS Certified Mail with Return Receipt Requested. Here's why:

Benefits of Certified Mail

Proof of mailing: You get a receipt showing exactly when you mailed it
Tracking: You can see when the bureau received it
Signature confirmation: Someone must sign for it
Legal protection: If the bureau claims they never received it, you have proof
Timeline starts on their receipt: The 30-day investigation clock starts when they receive it, not when you mail it

Cost (2026)

Service	Cost
First-Class Mail (1 oz)	$0.73
Certified Mail	$4.10
Return Receipt (green card)	$3.10
Total	$7.93

For less than $8, you get complete documentation of your dispute. Worth every penny.

Free Credit Dispute Letter Template

Use this template for your dispute. Customize for each item you're disputing.

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

[Date]

VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED

[Credit Bureau Name]
[Bureau Address]

Re: Request for Investigation of Inaccurate Information
    SSN: [XXX-XX-1234]
    Date of Birth: [MM/DD/YYYY]

To Whom It May Concern:

I am writing to dispute inaccurate information on my credit report. I received my credit report on [DATE] and identified the following errors:

DISPUTED ITEM #1:
Creditor Name: [Name]
Account Number: [XXXX1234]
Amount: [$X,XXX]

Explanation: This item is inaccurate because [explain specifically why — e.g., "I was never late on this account," "This is not my account," "This account was paid in full on DATE," etc.].

Requested Action: Please delete this item from my credit report as it cannot be verified OR Please correct this item to reflect [accurate information].

[Repeat for each disputed item]

Enclosed are copies of documents that support my dispute:
- Copy of my credit report with disputed items highlighted
- [List each document: payment records, correspondence, etc.]

Under the Fair Credit Reporting Act (FCRA), you are required to investigate these disputed items within 30 days and correct or delete any information that cannot be verified.

Please send me an updated copy of my credit report once your investigation is complete.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: [List all enclosed documents]

🛠️ Free Credit Report Dispute Letter Generator

Want a customized dispute letter? Our free tool generates a personalized letter based on your specific situation. Just fill in the blanks.

Generate Free Dispute Letter →

What Happens After You Submit

Here's the timeline:

Days 1-5: Bureau Receives Your Dispute

Bureau logs your dispute into their system
You'll receive an acknowledgment letter

Days 5-30: Investigation Period

Bureau forwards your dispute to the furnisher (creditor/collector)
Furnisher has 14-30 days to investigate and respond
If furnisher can't verify the item, it must be deleted

Days 30-35: Results Mailed

Bureau sends you investigation results by mail
If changes were made, you receive a free updated credit report
If dispute was rejected, you can add a statement of dispute to your file

💡 If your dispute is rejected

You have the right to add a 100-word "statement of dispute" to your credit file explaining your side. This statement will appear in future credit reports and can help when you apply for credit.

Related Resources

Credit Report Dispute Letter Templates — ready-to-use templates
Remove Collections from Credit Report — 4 proven methods
Rebuild Credit After Collections — step-by-step guide
CFPB: How to Dispute Credit Report Errors — official guidance
Identity Theft and Debt — what to do if you're a victim