Sign it, attach copies (never originals), and send it certified mail with return receipt. Keep a copy and the receipt. Black out all but the last four digits of account numbers on any copies you attach.
Already disputed and it's still wrong? An unfixed error that cost you credit, a job or an apartment may be an FCRA claim. No fee unless we win.
This tool gives general information, not legal advice.
What makes a dispute letter work
- Identify yourself. Full name, address, date of birth and Social Security number let the bureau find your file.
- Identify each item. The company name, a partial account number, and exactly what is wrong.
- Say what you want. Delete it, or correct it to a specific balance, status or date.
- Attach proof. Payment records, a discharge order, an identity theft report, a court order. The bureau must forward the relevant information you provide to the company that furnished the item (15 U.S.C. § 1681i(a)(2)).
- Ask how it was verified. If the bureau keeps the item, you can ask for a description of how it reinvestigated (§ 1681i(a)(6)(B)(iii), (a)(7)).
Where to mail disputes to the three bureaus
- Equifax: Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374
- Experian: Experian, P.O. Box 4500, Allen, TX 75013
- TransUnion: TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000
For background check and tenant screening companies, use the dispute address in that company's guide on our companies page.
Common questions
Is it better to dispute online or by mail?
Both are valid. A mailed letter, sent certified with return receipt, gives you a clear record of what you disputed and when, and lets you attach documents. Keep a copy of everything you send.
How long does the bureau have to respond?
Generally 30 days after it receives your dispute, or 45 days if you send more information during that period after getting a free annual report (15 U.S.C. § 1681i(a)(1)). It must send you the results within five business days after it finishes.
Should I send my dispute to the lender too?
You can. But a dispute through the credit bureau is what triggers the lender's or collector's legal duty to investigate under 15 U.S.C. § 1681s-2(b), which you can enforce in court.
Is my information saved or sent anywhere?
No. The letter is built in your browser. Nothing you type here is sent to us unless you separately ask for a free case review.