Dispute your Experian credit report by mail

If something on your Experian credit report is wrong or incomplete, this page helps you send a clear dispute letter to the right address. You get the current mailing address, a simple letter template, and a short checklist of what to include before you mail it.

Use this page for real mistakes on your report, like an account that is not yours, a late payment reported by mistake, a duplicate debt, or personal details that do not belong to you. It is not for asking Experian to remove information that is correct. It is also useful if you searched for Experian dispute address, dispute Experian by mail, mail dispute to Experian, or Experian dispute letter template.

Found something wrong on your Experian credit report? Open a ready-made dispute letter, replace the placeholders with your own details, attach your supporting documents, and mail it to the correct address.

These details are ready

This is the Experian mailing address currently listed for mailed dispute requests. Last checked: April 4, 2026.

So your letter looks

Experian

4500 P.O. Box

Dispute by Mail

Allen, TX 75013

United States

April 4, 2026 Experian Dispute by Mail P.O. Box 4500 Allen, TX 75013 Subject: Dispute of inaccurate information on my Experian credit report Dear Experian, I am writing to dispute information on my Experian credit report that I believe is inaccurate or incomplete. My details are: Full name: [your full name] Date of birth: [your date of birth] Social Security number: [your Social Security number] Current address: [your current address] Other addresses used in the last two years: [list any other addresses] Phone number: [your phone number] Email: [your email address] Credit report confirmation number, if available: [number] I am disputing the following item(s): 1. [Creditor / lender / collector name] Account number: [account number] This information is wrong because: [short reason] The correct information should be: [what should change] Documents attached: [list your proof] 2. [Next item, if needed] Account number: [account number] This information is wrong because: [short reason] The correct information should be: [what should change] Documents attached: [list your proof] Please investigate these items and remove or correct any information that is inaccurate or incomplete. I have attached copies of my identification, proof of address, a copy of my credit report with the disputed items marked, and copies of the documents that support my dispute. Please send me written confirmation of the results. Sincerely, [Signature] [Printed name] Enclosures: - Copy of government-issued ID - Copy of utility bill, bank statement, or insurance statement - Copy of credit report with disputed items circled - Supporting documents: [list them]

Open your Experian dispute letter

Simple lines people can copy into the middle of the letter

• • This account does not belong to me. I did not open it.
• • This payment was reported late, but I paid on time. I attached proof of payment.
• • This balance is incorrect. I attached records showing the correct amount.
• • This debt appears twice on my report. Please remove the duplicate listing.
• • This address is not mine and should be removed from my file.

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, and every other address you used in the last two years.
• • Add a copy of your ID, a copy of a utility bill, bank statement, or insurance statement, a copy of your credit report with the disputed items marked, and copies of any documents that support your dispute.
• • List each disputed item clearly with the creditor name, account number, what is wrong, and what should be corrected.
• • Certified mail with return receipt is worth using if you want proof that your letter arrived.