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Equifax Credit Report Dispute With Online Form: +Address, Phone Number

by: Emma Higgins

Update: 10/2019

Equifax is one of the three major credit reporting bureaus. That means they house some of your most important and sensitive information. All of that information is part of your credit report.

The other credit bureaus keep their own credit reports. However, many banks and lenders look to Equifax to get information on you. They use this information to make decisions about lines of credit and loans.

Your credit score and Equifax credit report don’t only influence whether you’re approved or denied for a loan. They also play a large role in what kind of terms you’re offered. For example, people with higher credit scores will get better offers on interest rates and fees.

However, false information can find its way on to your credit report. This is true of all three agencies. Equifax is no different. That’s why we’ve put together this guide to doing an Equifax dispute.

We’ll go over what a credit dispute is. We’ll also cover the different kinds of credit disputes. Then we have all the information you’ll need to launch a successful Equifax dispute. That includes the contact information for Equifax. Finally, we’ll tell you how you can check your Equifax dispute status.

Use this information to ensure your credit report is accurate. Credit reports are used to determine who gets a job and if a landlord will rent to you in addition to approval and rates on loans and credit. Therefore, there’s too much at stake to risk false information on your report.

What is a Credit Dispute?

A credit dispute is a way to challenge false and harmful information on your credit report. Federal law contains rules about credit reporting. A dispute is a way to use those laws to protect your credit history.

People get false information on their reports quite frequently. However, it’s up to each consumer to monitor their reports. They need to take steps to correct bad information. Sometimes the information is something as simple as a prior address you never actually lived at.

But other times, the information can be devastating. This includes things like late payments, overdue accounts, and maxed-out lines of credit. It can also include bankruptcies, judgements, liens, and collections. This type of information can do serious damage to your credit score.

The information can get on your report several ways. There’s a lot of paperwork and data entry involved in the credit reporting process. Equifax credit reports are no different. It just takes one person’s typo, missed click, or distraction to put incorrect information on your report.

False information on your Equifax credit report can also get there from identity theft. After all, Equifax itself was breached in 2017. As a result, thousands of consumer’s information entered the world wide web.

People can use that information to open up accounts in your name. They will spend money without paying it back. The creditor or lender then reports that you’re not paying your debts. As a result, your credit score can take a huge hit.

Credit disputes let you handle all of these situations. They can correct false information from typos and mistakes. They can also resolve issues that come from identity theft.

What Kinds of Disputes are There?

While there are lots of ins and outs when it comes to the law and credit reporting, we recommend thinking of credit report disputes in two ways. Disputes and verification.

We talk about disputes as a situation when you can prove that the information is false. For example, if you have court documents discharging a debt, but that debt still appears on your credit history. These types of cases are frequently open and shut.

Federal law says that you can file a dispute with your creditor and with the credit reporting agency. So, when you want to dispute Equifax credit report, you’re on solid legal ground.

You can also request verification. For our purposes, verification requests are when you don’t have hard evidence that the information is false. For example, official documents and papers.

Verification is a useful tool for consumers. That’s because federal law says that information can’t be included on a credit report unless it’s 100% accurate. The burden is on Equifax to prove that the information on your report is true.

Equifax has 30 days to respond and either verify, correct, or delete any item you request verification on. That requirement is set out by federal law. If the company doesn’t do any of those things, then you may have grounds for a lawsuit.

What do I Need to Know to Dispute Equifax Credit Reports?

If you’ve decided to dispute your Equifax credit report, then you’ll need to know some key piece of information. First, you need to decide how to challenge the information. Do you have documents proving you’re right? Or will you request verification?

Second, you need to collect all the information you have. You should send any documentation with your dispute letter. This will make the process faster.

Third, be prepared to follow up. After all, Equifax is a large company. They may not get back to you right away. That means it’s going to be on you to see the process through and get the results you want.

Equifax Credit Dispute

Fourth, make copies of all the paperwork you send them. That includes the dispute letter itself, as well as any other documents. Make sure the date is clear on all the documents. After all, many financial matters center around when a payment was due, when it was made, and so on. Equifax doesn’t record late payments unless they’re 30 or more days late.

Finally, you need to decide how you’re going to do your dispute. You can send a letter, use the company’s online tool, or call their customer service. There’s some debate about the best way to file your dispute, so we’ll talk about that in the next section.

Should I Dispute Online?

Each way of filing your dispute has its own benefits and challenges. You should decide which way works best for you.

Filing a dispute through the phone is almost always the wrong choice. It’s hard to document when you contacted Equifax about your credit report. You also might not be able to document what the customer service agent says. Some states forbid recording phone calls without both parties’ consent. This is important. If you have a problem with your dispute later on, you’ll need this key evidence and information.

Many of the best credit repair companies recommend using online submissions if you're doing it yourself. These are generally processed quickly. It’s also easier to document what you’ve done. You can take screenshots of your submission and all the relevant documents.

However, sometimes companies include terms of use for their online dispute service. These terms of use can be used to shield the company from liability if there’s a problem with your dispute. It can also prevent you from joining class action lawsuits and other types of legal action.

We recommend using old-fashioned snail mail for your dispute process. It’s not as fast as the online option. However, you can use things like certified mail and other tools to effectively document the process. This can help you a lot if you have problems with your dispute.

The downside to snail mail is that it will take longer to process. That’s why it’s important to start working on your credit well before someone is going to make a decision based on your credit.


Tips for Successfully Disputing Equifax Credit Reports

The process of composing a letter and following through on the dispute can seem intimidating. That’s why we’ve put together some tips to help.

Tip 1: Be Brief

Credit reporting agencies are businesses. They’re not interested in your opinions on what’s right or wrong. They also don’t want the whole backstory regarding a situation. Don’t overload your letter with unnecessary details. There’s only a risk these details confuse some part of your dispute. Worse, sometimes they can even undermine it. Stick to the facts. Tell the agency the what, not the why.

Tip 2: Important Information on Top

Make sure all of the most important information is at the top of your letter. That information should include things like your account number, report number, contact information, case number, and so on. That way the company will be able to easily reference the information they need to make a decision. This will help them process your dispute faster.

Tip 3: Be Prepared to Wait

With all of our access to technology, we’ve come to expect results almost instantly. However, that’s not the way this process works. Legally, Equifax has 30 days to respond to your request. Don’t be surprised if you wait all 30 days. This is part of the reason why using certified mail is such a good idea. You can verify when the company received your communication. That means you’ll know when they’ll have to respond to you.

Tip 4: Never Throw It Away

You want to make sure you keep everything related to your dispute. That means information you send to Equifax, as well as any communication you get back from them. This helps you establish a paper trail. It also gives lawyers the information they need if you need to escalate your dispute.

Equifax Dispute Inquiry Contact Info

If you’re going to dispute your Equifax credit report, you’ll need to know where to send the dispute. We’ve included their address, phone number, and website here.

Equifax Dispute Address

If you want to dispute your credit report with Equifax by mail, you’ll need to send your letter and documentation to the following location:

Equifax Information Services, LLC

P.O. Box 740256

Atlanta, GA 30374

Remember, always used certified mail when sending documents to Equifax. Make sure you request a return receipt. That acts as proof that the company got the documents you sent them. It also provides a way for you to track the process.

Equifax Dispute Phone Number

If you want to call Equifax with your dispute, the number is 1-866-349-5191.

Remember, calling is usually the worst way to resolve issues. It’s ok for some things like a wrong past address or a misspelled name. However, for serious issues like missed payments and fraudulent accounts, mail and online are much better ways to handle your dispute.

File A Dispute With Equifax Online

You can file a dispute with Equifax online here. However, be sure to read any terms of use before you agree to them. Companies can change their terms of use at any time. You’ll want to be sure you’re not agreeing to indemnify Equifax if something goes wrong. You’ll also want to be sure to follow the tips from above. Take screenshots of your submission. Also take screenshots of all the documents you’re attaching with your submission. This will let you show what you did and didn’t send to the company.

Check Equifax Dispute Status

Once you’ve filed your dispute, you’ll want to follow up on it. If you file online, then you can check their site for your dispute status. It will tell you if the information you’re challenging has been verified, corrected, or deleted.

If you’re using the phone, then following up becomes a bit more difficult. You’ll have to call again or check your credit report online to see if the information is still there.

Snail mail resolves many of these issues. Using certified mail means that you can be sure when your dispute arrived. It gives the company a timetable for how quickly they need to respond. Check the mail or call to ask about the status of your dispute. You can use the phone number listed above to check the status.


Your credit score is important. Don’t let false and harmful information cause you to pay more for loans and credit. Even worse, don’t let bad info on your Equifax credit report prevent you from getting the home or job of your dreams. Use this information to challenge negative and false information on your Equifax credit report. Protect your good name and your good credit.


By ensuring that the information contained within your Equifax report is accurate, you can guarantee that your score is at its highest and that all of the information is accurate. If you notice an error on your Equifax credit report, the best option to have it altered or removed is to file a dispute. By filing a dispute, you are taking the right steps to ensuring the accuracy of your credit report while making certain that your score is not negatively affected by misinformation.

Filing a Dispute With Equifax

Equifax is one of the three main credit reporting bureaus that maintains a record of your credit history. This history can sometimes contain errors and in this situation, you will want to dispute the error directly with Equifax. Understanding how to file a dispute with Equifax will help you to ensure that the information on your Equifax credit report is updated and accurate. Refer to our other articles about how to dispute Transunion credit report items or file an Experian online dispute.

How to dispute a credit report with Equifax?
When filing a dispute with Equifax, you must first make sure that the information you are disputing is inaccurate, fraudulent or incomplete. You can then continue your dispute by submitting a dispute form online.
Where to send Equifax dispute letter?
When filing a dispute with Equifax, you can send them the dispute letter directly through the mail. The letter should be mailed to Equifax Information Services LLC, P.O. Box 740256. Atlanta, GA 30348.
How to dispute Equifax?
To file a dispute with Equifax, start by obtaining a current copy of your Equifax credit report. Consumers can then file a dispute online or by sending a letter directly to Equifax.
Where to send disputes to Equifax?
Equifax makes it easy to send a dispute to them directly from their website online so you never have to send a letter through the mail. However, they also accept mailed dispute letters as well.
How to dispute items on Equifax credit report?
To dispute specific items on your Equifax report, begin by noting the item and the account number associated with it and send a letter directly to Equifax with information on the erroneous debt.
How to file a dispute with Equifax?
To file a dispute with Equifax, gather any supporting documents to substantiate your dispute and file your dispute either online through their website or by sending a letter directly to Equifax.
How to dispute a claim on your credit report Equifax?
A very simple and direct way to dispute a claim on your Equifax credit report is through their online dispute center. This allows you to save time and to keep track of your case effectively.
How do I dispute something on my Equifax credit report?
The first step to filing a dispute is to make sure that you have the most updated version of your credit report. You can then dispute any errors through their online dispute portal.
How to dispute credit report online with Equifax?
Equifax has a dispute center online where you can submit a claim directly via their website. This allows you to start a dispute from any location using their secure, encrypted database.
How to submit a dispute to Equifax?
In order to submit a dispute to Equifax, you will need to send a letter to investigate an item on your report or send a dispute online through their dispute center or by phone.
How to dispute a credit report error with Equifax?
An error on your Equifax account can lower your score and affect your chances of obtaining credit. You can dispute this error with a dispute request sent via letter, phone, or online.

Contacting Equifax To File A Dispute

One of the concerns that consumers face is how to contact Equifax directly in order to file a dispute. Although there is an abundance of information available online, it can be challenging to get the answers you need. Learning how to contact the credit reporting bureau directly will assist you with getting the information you need accurately and on time.

How to file a dispute with Equifax by mail?
Equifax accepts dispute letters sent by mail and addressed to Equifax Information Services LLC. the address to file the dispute is P.O. Box 740256, Atlanta, GA 30348
How to dispute Equifax credit report by phone?
Begin by gathering all of the information you need related to your dispute. Then you can contact Equifax directly to let them know that there is incorrect, fraudulent or incomplete information on your report.
How to call Equifax to dispute?
Equifax provides a direct number to call in order to file a dispute. To file a dispute by phone, simply contact the Equifax credit reporting bureau phone at 1(866) 349-5191.
How to contact Equifax about a dispute?
Equifax provides three different ways to contact them for a dispute filing. These methods include contacting them by phone, via mail, or through their online dispute center located on their website.
How to fax Equifax dispute?
Equifax has multiple ways in which individuals can dispute items on their report including by phone, fax, mail, or online. The dispute fax number for sending a dispute to Equifax is 1-888-826-0549.
How to contact Equifax live person for a dispute?
Although a dispute can be filed online directly, some people prefer to speak to a live person to complete their dispute. To contact Equifax via their customer service number, call them at 1-866-349-5191.
What is the number to dispute Equifax?
Individuals who would like to contact Equifax by phone in order to file a dispute can do so by calling them directly at 1-866-349-5191. Make sure to have all of the information pertinent to your dispute handy prior to the call.
Can we email Equifax with disputes?
Equifax handles disputes online through their online dispute resolution center. This allows them to provide you with a case number to follow up on your Equifax dispute after you have submitted your dispute.
How to call Equifax customer service to dispute?
You can call Equifax directly if you need to dispute an error on your Equifax credit report. The number you can call in order to speak directly to Equifax is 1-866-349-5191.

Specific Disputing With Equifax

Oftentimes after reviewing the details of their credit reports, individuals have a specific question about how to dispute credit report items. Learning about how to complete specific disputes with Equifax can facilitate the process going forward.

How to dispute Equifax on Credit Karma?
The Credit Karma’s Direct Dispute™ tool is the best way to dispute an item on your credit report. However, Credit Karma does not handle disputes for consumers directly but it can help you through the process.
How to dispute hard inquiries on Equifax?
Equifax retains information on companies that request credit information for one to two years. To have this information removed, they recommend on their website that you contact the company directly.
How to dispute a debt with Equifax?
If a debt listed on your Equifax account is inaccurate, incomplete, or fraudulent, you have a legal right to dispute it. You can do so by contacting Equifax via phone, fax, or letter or you can submit your dispute online.
How to dispute a collection on Equifax?
Collection items on your report can harm your score and can affect your ability to buy a house or a car. You can dispute the collection by calling Equifax at 1-866-349-5191 or submit your dispute online.
How to dispute an account with Equifax?
If an account is listed as unpaid when it was in fact paid, Equifax must investigate it on your behalf. You can visit their dispute center online to get the process started at
How to dispute medical bills on Equifax?
Medical bills can report on your Equifax report for up to seven years. You can dispute the medical bills through a letter or online at
How to dispute Fico score with Equifax?
Although you can’t dispute the FICO score listed on your Equifax report, you can dispute individual items that are having a direct impact on your credit score. Equifax will remove any errors they find.
How to dispute charged off items on Equifax?
To dispute charged off items that are listed on your Equifax report, the first step is to contact the original creditor to have them correct the error. If they don’t update the file, send supporting documents to Equifax along with your dispute letter.
How to dispute inquiries with Equifax?
Too many inquiries listed on your report in a short length of time can affect your total credit score. To have these inquiries removed, contact the company directly and request them to remove it.

Length of Time for a Dispute

After a dispute has been filed, it is typical for the individual to want it to be resolved as quickly as possible. However, there is a process involved in which Equifax must fully investigate the dispute in order to substantiate the debt or remove it entirely. Learning about the length of time that a dispute takes will help you to know what to expect from the process.

How long is a dispute supposed to take with Equifax?
After your dispute request has been sent to Equifax, the next step is for Equifax to investigate the details of your dispute. This process typically takes up to 30 days.
How long does Equifax have to respond to a dispute?
Equifax has as many as 30 days to respond to a dispute that is on file with them. However, typically, disputes are normally resolved within as few as ten days after they have been submitted.
How long does an Equifax dispute take?
Equifax usually completes the dispute investigation within 10 days. However, this credit reporting agency has as many as 30 days to completely close out the dispute after it has been filed.
How long before Equifax takes off a dispute?
The length of time until Equifax takes a dispute off of a credit report can vary. However, the credit reporting agency has 30 to 45 days from the date of a filing to remove the disputed item.
Why does Equifax complete disputes so fast?
Equifax completes the dispute within 30 to 45 days. However, in the majority of cases, they can complete the dispute resolution process in as few as 10 days after they receive the dispute request.

Problems With Equifax Disputing

During the course of filing a dispute with Equifax, it is possible to run into some issues. Learning about what to do when this occurs will help you resolve the problem quickly and effectively.

Why can’t I dispute Equifax online?
Equifax will ask for identifying information to verify your identity when using the online dispute portal. If any answers are incorrect, you won't be able to use the online dispute center.
Why can’t I access Equifax credit dispute page?
If you are unable to access the Equifax dispute page, there may be an issue with your browser. Try accessing the page from a different browser as well as clearing the cookies stored on your computer.
How to get around Equifax dispute block?
If you have experienced a temporary freeze on accessing the dispute page due to a failed security login attempt, you can begin by creating a myEquifax account. You no longer need a PIN for online security freeze transactions.
Why is Equifax dispute page not working?
Occasionally, users have experienced issues with accessing a prior dispute claim when using the Equifax dispute page. If the problem persists, you can contact Equifax customer service directly for assistance.
What to do if Equifax has not sent dispute information?
In the event that you have not received dispute information from Equifax, they may still be investigating the claim. A dispute investigation can last as long as 45 days but is usually resolved between 10 and 30 days.

Removing or Cancelling a Dispute with Equifax

There are situations in which you may need to cancel a dispute that was already on file with Equifax. The credit reporting bureau can assist you if you need to cancel or remove a dispute that is already on file with them.

How to cancel a dispute with Equifax?
To cancel a dispute with Equifax, it is recommended to call them and let them know that you would like to cancel the dispute. You can contact Equifax directly by calling them at (800) 846-5279 which will connect you directly to a live agent.
How to remove a dispute from Equifax?
You can remove a dispute from an Equifax report by writing a letter directly to their mailing address. The mailing address to send the letter to is Equifax Information Services LLC, P.O. Box 740256. Atlanta, GA 30348.
How to remove dispute wording on Equifax credit report?
Dispute wording can be placed on your report by Equifax, another CRA, the creditor themselves, or by a third party credit repair company. Contacting the company directly can aid you in having the dispute wording removed.
How to correct Equifax small business report dispute?
If you would like to correct a small business report dispute, you can do so through the Equifax dispute page. After filing a dispute, you will receive a number that you can use to check on the status of your dispute.

Checking on an Equifax Dispute

After you have filed an Equifax dispute, you will want to follow up on it to see exactly what the results of your dispute were. You can do so by contacting Equifax or looking up your case number to see if any updates have been posted. Learning how to check on your Equifax dispute will help you to find out the results in the fastest and most convenient way.

How to check dispute status on Equifax?
You can check the status of a dispute you already started with Equifax by logging on to the dispute portal. The link to the dispute website for Equifax is
How to check disputed credit on Equifax?
Equifax recommends allowing up to 30 days to check on the status of a disputed account. Equifax will send periodic updates via email in order to alert you regarding any changes to your dispute.
How to check Equifax dispute?
Equifax has a Chat Now feature that allows you to contact them via chat directly to discuss the status of your dispute. You can contact them through the link on their website at
How do you get your case number for Equifax dispute?
You can contact Equifax customer service by phone in order to get a case number for an Equifax dispute. The number you can use to contact Equifax by phone is 866-349-5191.
Does Equifax remove a judgment when it is being disputed?
If proof is provided to Equifax that the judgment was paid, they will remove the judgment from your credit report. However, during the dispute process, the judgment may still appear on your report.
How do I get results from dispute with Equifax?
Equifax will provide results on a dispute that has been filed with them within 30 days. It is recommended to check your email for any updates regarding your dispute case.
How to dispute bankruptcy dismissal on Equifax?
To dispute a bankruptcy dismissal with Equifax, get a copy of the paperwork which states that the Bankruptcy has been dismissed. Send this paperwork in along with your dispute and you should be able to get it removed.
How to view old Equifax dispute?
You can request to see the details of an old Equifax dispute by contacting Equifax directly. You can contact them by mail, phone, or by using their dispute center online.
How many Equifax disputes can you do at 1 time?
There is no limit to the number of disputes you can file at one time with Equifax. However, please note that Equifax has up to 30 days to dispute each entry from the date the error was reported to them.
How can I check Equifax dispute beside Equifax website?
In addition to using the main Equifax website, you can also contact Equifax by phone in order to check on the status of a dispute. Their customer service number is 866-349-5191.
What is the spam website that is related to Equifax disputes?
Equifax has stated that customers have experienced phishing from imposters pretending to be Equifax and requesting information. More information can be found here:

Emma Higgins

Emma has been helping people improve their credit scores for the past ten years and has written a number of credit repair companies reviews for us. Prior to that, she worked as a credit repair specialist and consultant for several of the best credit repair firms. She got into the credit repair industry after graduating with a degree in Finance before getting her MBA.