Dispute Inaccurate Information on Your Equifax Credit Report
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Dispute your Equifax credit report
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit report. Equifax must investigate your dispute within 30 days and correct or delete inaccurate information.
Under FCRA Section 611 (15 U.S.C. 1681i), you can dispute incomplete or inaccurate information. The bureau must investigate within 30 days. Under Section 605, most negative information must be removed after 7 years (10 years for bankruptcies).
Notice Respond provides document preparation and mailing assistance. It is not a law firm, credit repair organization, or financial advisor. We do not provide legal advice or guarantee specific credit outcomes. You have the right to dispute inaccurate information under the FCRA.
Frequently Asked Questions
How do I dispute inaccurate information on my Equifax credit report?
You can dispute by mail, online, or by phone. A written dispute by certified mail creates the strongest paper trail. Your letter should identify each inaccurate item, explain why it's wrong, and include copies of supporting documents. Equifax must investigate within 30 days (45 if you send additional information during the investigation).
Where do I mail my Equifax dispute letter?
Mail your dispute to: Equifax Information Services LLC, P.O. Box 25022, Atlanta, GA 30307. Include your full name, address, Social Security number, date of birth, and a copy of your credit report with the disputed items circled. Send by certified mail with return receipt.
What information can I dispute on my Equifax report?
You can dispute any information you believe is inaccurate, incomplete, or unverifiable — including incorrect account balances, wrong payment histories, accounts that don't belong to you, outdated negative items (over 7 years), incorrect personal information, and identity-theft-related accounts.
How long does Equifax have to investigate my dispute?
Under the FCRA, Equifax must complete their investigation within 30 days of receiving your dispute. If you send additional information during the investigation, they get 45 days. They must notify you of the results within 5 days and provide a free updated credit report if items were changed or removed.
Should I dispute with all three credit bureaus at once?
If the same error appears on all three reports (TransUnion, Experian, Equifax), you should dispute with all three separately — they don't share investigation results. Notice Respond has separate workflows for each bureau. Each dispute letter should reference the specific report from that bureau.
Frequently asked questions
How do I dispute inaccurate information on my Equifax credit report?
Under the FCRA, you can dispute inaccurate information by sending a letter to Equifax that identifies each disputed item, explains why it is inaccurate, and includes supporting documentation. Equifax must investigate within 30 days.
Where do I mail an Equifax dispute?
Mail your dispute to Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348. Certified mail with tracking is recommended for proof of timely submission.
How long does Equifax have to investigate a dispute?
Under FCRA Section 611, Equifax must complete their investigation within 30 days of receiving your dispute. If you submit additional information during that period, it extends to 45 days.
What should I include in my Equifax dispute letter?
Include your full name and address, the report number and date, each item you are disputing with the account name and number, why each item is inaccurate, what the correct information should be, copies of supporting documents, and proof of identity.
Can I dispute Equifax errors by mail?
Yes. While online disputes are available, mailing your dispute provides a paper trail and lets you include physical supporting documents. Certified mail gives you proof that Equifax received your dispute by a specific date.