Mailing addresses, online dispute portals, and phone numbers for Equifax, Experian, and TransUnion — updated for 2026. Use certified mail with return receipt requested.
Generate your FCRA letter, then add mailing for $10. We send it certified, handle the address, and email you confirmation.
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
1-866-349-5191
Mon–Fri 9am–9pm ET
Sat 9am–6pm ET
Equifax sometimes uses a different P.O. Box for identity theft disputes specifically. If you're filing under §605B, use: Equifax Information Services, P.O. Box 105069, Atlanta, GA 30348-5069 and include a copy of your FTC identity theft report.
Everything you need to include in your mailing — addresses, documents, and deadlines in one printable checklist.
Check your inbox\! Your dispute checklist is on the way.
No spam. Unsubscribe anytime.
Experian
P.O. Box 4500
Allen, TX 75013
1-888-397-3742
Mon–Fri 9am–5pm local time
Experian now uses Allen, TX as their primary dispute address (previously used Chester, PA for some dispute types). For FCRA disputes, include your full 15-character dispute reference number if you have a previous dispute on file — it speeds up routing.
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
1-800-916-8800
Mon–Fri 8am–11pm ET
Sat–Sun 8am–5pm ET
Bureaus can delay or reject disputes that arrive incomplete. Include all of the following:
Your signed dispute letter (FCRA-cited, specific account)
Copy of a government-issued ID (driver's license or passport)
Proof of current address (utility bill, bank statement)
Copy of the relevant section of your credit report (highlight the error)
Supporting documents (bank statements, payment receipts, FTC report if identity theft)
Always send copies — never originals. Bureaus are not required to return documents you mail them.
The FCRA's 30-day investigation clock starts when the bureau receives your dispute — not when you send it. Certified mail with return receipt gives you:
Cost: roughly $3.85–$5.00 at USPS for certified mail + return receipt. Worth it for any significant dispute.
Online disputes are faster but come with trade-offs:
For minor errors (wrong phone number, address typo): online is fine. For anything that materially affects your credit: use certified mail.
In addition to the credit bureaus, you should often dispute directly with the company that reported the information — called the "furnisher." Under FCRA §623, furnishers must investigate disputes sent directly to them and correct any inaccuracies with the bureaus.
Find the furnisher's dispute address on your credit report, on your statements, or by calling their customer service. For collection agencies, the address is usually on any collection notice they've sent you.
Generate your dispute letter, and we'll send it certified mail to the right bureau on your behalf. $10 per letter — includes the letter, certified mailing, and delivery confirmation by email.
Generate + mail your letter →If a bureau fails to investigate within 30 days, ignores your dispute, or continues reporting information you've proven is inaccurate, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. Bureaus take CFPB complaints seriously — unresolved complaints affect their regulatory standing. You can also file with the FTC at ftc.gov/complaint.