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Dispute your Equifax credit report by mail

Equifax credit report dispute

If something on your Equifax credit report is wrong or incomplete, this page helps you send a clear mail dispute to the right address. You get the current Equifax mailing address, a tailored dispute letter template, and a short checklist based on Equifax's own dispute instructions and document requirements.

Use this page for real Equifax reporting mistakes, like an account that is not yours, a wrong payment status, a paid account still showing a balance, a duplicate or unauthorized inquiry, personal information that belongs to someone else, or fraud and identity theft entries. It is not for asking Equifax to remove information that is accurate. It is also useful if you searched for Equifax dispute address by mail, mail dispute to Equifax, Equifax dispute letter template, or Equifax credit report dispute form.

Found something wrong on your Equifax credit report? Open a ready-made dispute letter, fill in your details, attach the documents Equifax asks for, and mail it to the correct dispute address.

These details are ready

Equifax Information Services LLC

740256 P.O. Box

Atlanta, GA 30374-0256

United States

This is the Equifax mailing address currently listed for mailed credit report disputes. Last checked: April 4, 2026.

So your letter looks

Equifax Information Services LLC

740256 P.O. Box

Atlanta, GA 30374-0256

United States

April 4, 2026 Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256 Subject: Dispute of inaccurate information on my Equifax credit report Dear Equifax Information Services LLC, I am writing to dispute information on my Equifax credit report that I believe is inaccurate or incomplete. Please investigate the items below and correct or remove any information that cannot be verified as accurate. My identifying information is: Full name: [your full name] Date of birth: [your date of birth] Social Security number: [your Social Security number] Current address: [your current address] Former address: [your former address] Phone number: [your phone number] Email address: [your email address] 10-digit confirmation code, if available: [confirmation code] If I am disputing personal information, please correct the following: Name / address / date of birth / Social Security number / employer / phone number: [describe what is wrong and what should be changed] I am disputing the following account(s) or inquiry item(s): 1. Company name: [creditor, lender, collector, or inquiry name] Account number or inquiry date: [account number or inquiry date] Reason for dispute: [account not mine / account closed / account paid in full / current or previous payment status incorrect / inquiry removal / mixed with another person / fraud / not liable / date incorrect / other] Dispute details: [short explanation] The correct information should be: [what should change] Documents attached: [list your proof] 2. Company name: [next item, if needed] Account number or inquiry date: [account number or inquiry date] Reason for dispute: [short reason] Dispute details: [short explanation] The correct information should be: [what should change] Documents attached: [list your proof] I have enclosed clear copies of my proof of identity, proof of current address, a copy of my credit report with the disputed items marked, and copies of the records that support this dispute. If any disputed item involves fraud or identity theft, I have also enclosed my police report, FTC Identity Theft Report, or other fraud documentation if available. Please send me the results of your investigation in writing. If any disputed item is corrected or deleted, please send me an updated copy of my Equifax credit report. Sincerely, [Signature] [Printed name] Enclosures: - Proof of identity: [document] - Proof of current address: [document] - Copy of credit report with disputed items marked - Supporting documents: [list them] - Identity theft report / police report, if applicable
Open your Equifax dispute letter

Simple lines people can copy into the middle of the letter

  • • This account is not mine and should be removed from my Equifax file.
  • • This account was paid in full. I attached proof, and the balance should be updated to $0.
  • • The current payment status is incorrect. I attached account records showing the correct status.
  • • This inquiry was not authorized by me and should be removed.
  • • My file appears mixed with another person. These addresses and accounts do not belong to me.

Before you continue

  • • Send copies, not originals, and keep a full copy of everything you mail.
  • • Include your full name, date of birth, Social Security number, current address, former address, phone number, and email address.
  • • Add clear copies of your proof of identity and proof of current address. Equifax's dispute form lists options like a Social Security card, driver's license or state ID, pay stub with Social Security number, utility or phone bill, lease, deed, or pay stub with address.
  • • Attach supporting records for each disputed item, such as account statements, letters from the lender showing a correction, cancelled checks, court papers, or identity theft reports if fraud is involved.
  • • Keep every copy legible, enlarge small print, and avoid highlighting. Equifax says unclear copies can delay processing or force you to resubmit.
  • • Certified mail with return receipt is worth using if you want proof that your letter arrived.

How it works

1Open the template and replace the placeholders with your own identifying details.

2List each disputed account, inquiry, or personal-information error clearly and attach the proof that matches that issue.

3Mail the letter to Equifax, keep copies of everything you sent, and dispute the same item with the lender or other reporting company if needed.

Open your Equifax dispute letter

Sources

Equifax - How to Dispute Credit Report Information By Mail

Equifax - File a Dispute on Your Equifax Credit Report

Equifax - Dispute Request Form

Equifax - Additional Documentation Examples

CFPB - How do I dispute an error on my credit report?

FTC - Disputing Errors on Your Credit Reports

FTC - Sample Letter to Credit Bureaus Disputing Errors on Credit Reports

Frequently asked questions

Where do I send my Equifax dispute letter?

Mail it to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256. That is the mailing address Equifax lists for mailed credit report disputes.

What should I attach to the letter?

Equifax says the exact documents depend on the problem you are disputing, but mailed disputes usually need proof of identity, proof of current address, and supporting records for the item in dispute. Examples Equifax lists include a driver's license or state ID, Social Security card, pay stub, utility or phone bill, lease, deed, bank statement, lender correction letter, police report, court documents, student loan disability letters, or cancelled checks.

Should I send original documents?

No. Send copies only, keep the originals, and keep a full copy of your mailing package for your own records.

Can I use this for fraud, identity theft, or a mixed file?

Yes. Equifax's dispute form specifically says to include a police report, FTC Identity Theft Report, or affidavit of fraud if you have one. This page also works for mixed-file problems, unauthorized inquiries, and accounts that are not yours.

How long does Equifax take to respond?

Equifax says most investigations are completed in 30 days, and its dispute page says it will notify you of the results within 30 days of your dispute request.

Should I also contact the lender or company that reported the information?

Yes. Equifax says a good first step is to contact the lender or creditor that reported the information directly, especially for account details or personal information like your name or address.

Can I do this online instead?

Yes. Equifax also accepts disputes online through myEquifax and by phone. This page is for people who prefer a paper trail, want to include documents in one package, or want a ready-made mail template.

Does Equifax have its own dispute form?

Equifax publishes a dispute request form for mailed disputes. This page gives you a letter template that covers the same core details, but you can also download Equifax's own dispute form and include it with your mailing if you want.

What if I still disagree after the dispute is finished?

You can send a follow-up dispute with stronger documents, dispute directly with the company that reported the item, add a short statement of dispute to your file, or file a complaint with the CFPB.

Ready to continue?

Found something wrong on your Equifax credit report? Open a ready-made dispute letter, fill in your details, attach the documents Equifax asks for, and mail it to the correct dispute address.

Open your Equifax dispute letter