Equifax contact details
| Dispute by mail | Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256 |
| Dispute online | equifax.com/personal/credit-report-services/credit-dispute (myEquifax account, free) |
| Phone | 866-349-5191, Monday to Friday 9am to 9pm ET, weekends 9am to 6pm ET |
| Fraud alert / freeze | 888-298-0045 or via myEquifax |
| Free report | AnnualCreditReport.com, weekly. Equifax also gives six free reports a year through myEquifax |
What to include in an Equifax dispute letter
- Full name, current address, date of birth and Social Security number.
- Your Equifax confirmation number from a recent report if you have one.
- For each item: creditor name, account number as shown, what's wrong, what's correct.
- Copies of a government photo ID and a current proof of address.
- Copies of evidence.
- Signature and date.
Equifax also accepts a completed copy of its own dispute form, downloadable from its site, but a letter with the same information works and gives you room to explain.
How Equifax investigates
Equifax forwards your dispute to the furnisher via e-OSCAR with a reason code and any documents, the furnisher checks its records, and Equifax applies the result. Equifax has historically had the highest share of "verified" outcomes on first-round disputes among the three, so specificity and evidence matter even more here. A dispute that names the exact field and the exact discrepancy gets a real look.
Equifax's online portal is fine for tracking, but its reason codes are limited and it caps attachments. Mail the letter for anything with evidence.
Reading your Equifax result
- Deleted: gone at Equifax. Verify at the other two.
- Updated: the result shows the new information. Compare carefully; sometimes the update fixes one field and introduces another error.
- Verified: request the method of verification under FCRA §611(a)(7), then dispute directly with the furnisher.
- Not investigated (frivolous): Equifax must tell you why within five business days. Resend with a specific reason and evidence.
Escalating with Equifax
- Method of verification requestFCRA §611(a)(7). Equifax has 15 days to answer.
- Direct furnisher disputeFCRA §623(a)(8). The creditor investigates independently and must fix all bureaus.
- CFPB complaintconsumerfinance.gov/complaint. Equifax responds on the record within 15 days.
- Consumer attorneyRepeatedly verified provable errors are the classic FCRA case, usually taken on contingency.
Equifax specifics worth knowing
- Mortgage lenders pull all three bureaus and typically use the middle score. Fixing an error at Equifax can move your middle score.
- Equifax runs The Work Number, the employment and income verification database. It's a separate file from your credit report and has its own free disclosure and dispute process at theworknumber.com.
- The consumer score Equifax shows is usually a VantageScore 3.0.
Frequently asked questions
What is Equifax's dispute address?
Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256. Certified mail with return receipt.
How long does Equifax take?
30 days from receipt, up to 45 if you add information mid-investigation. Equifax often runs closer to the full 30.
Is Equifax still offering free credit freezes after the 2017 breach?
Freezes are free at all three bureaus by federal law since 2018. Equifax also offers free 'Lock & Alert', a slightly different tool. A freeze is the stronger protection and doesn't interfere with disputes.
My Equifax report shows an account the others don't. Why?
Not every creditor reports to all three bureaus. Some report to one or two. If an account only appears at Equifax and it's wrong, you only need to dispute it at Equifax.