Bureau dispute guide

How to Dispute Equifax Credit Report Errors

The exact steps, mailing address, and legal citations Equifax cannot ignore — plus how to escalate if they verify a bad item without doing real work.

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Legal basis
FCRA §1681i & §1681s-2
Timeline
30 days by law
Difficulty
Beginner-friendly
Where to mail this letter
Equifax Information Services P.O. Box 740256 Atlanta, GA 30374

Always send certified mail with return receipt. This starts your 30-day FCRA clock and gives you proof of delivery.

Step-by-step: how to dispute

  1. 1
    Pull your Equifax report from AnnualCreditReport.com — you get one free copy per year, plus additional free reports after adverse action.
  2. 2
    Circle every inaccurate item: wrong balances, incorrect dates, mystery accounts, late payments you actually paid on time.
  3. 3
    Write one dispute per account. Combining unrelated items in one letter makes it easier for Equifax to dismiss the whole thing.
  4. 4
    Cite the specific FCRA section: §1681e(b) for accuracy, §1681i for reinvestigation, §1681s-2 for furnisher liability.
  5. 5
    Mail certified to the Equifax P.O. Box above. Include copies (not originals) of ID, proof of address, and supporting evidence.
  6. 6
    Log the certified mail tracking number. When Equifax signs for it, the 30-day clock starts.
  7. 7
    If Equifax verifies without meaningful investigation, escalate: MOV letter → CFPB complaint → state Attorney General.

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Frequently asked questions

What is the Equifax dispute address?+

Equifax Information Services, P.O. Box 740256, Atlanta, GA 30374. Always send certified mail with return receipt so you have proof of the 30-day FCRA clock starting.

How long does Equifax have to respond?+

30 days from receipt under FCRA §1681i(a)(1)(A). They can extend by 15 days only if you provide additional information during the investigation.

Equifax verified my dispute — now what?+

Send a Method of Verification (MOV) letter within 15 days demanding the specific procedure used. If they cannot describe a meaningful investigation, they must delete under §1681i(a)(5)(A).

Can I sue Equifax for wrong information?+

Yes. FCRA §1681n and §1681o allow actual damages, statutory damages of $100–$1,000 per violation, punitive damages, and attorney's fees when they willfully or negligently fail to correct errors.