Contact both the credit reporting company and the company that provided the information. You should explain what you think is wrong, why, and include copies of documents that support your dispute.
Warning: Do not include original copies of the documents you use to support your dispute.
Tip: To correct mistakes, it helps to contact both the credit reporting company and the company that is the source of the information.
If you find a mistake in a report from a credit reporting company, you may submit a dispute not only to the credit reporting company, but also directly to the company that is the source of the information. However, there are certain types of disputes that companies are not required to investigate.
If the company corrects your information as a result of your dispute, it must notify all of the credit reporting companies to which it provided the inaccurate information, so they can update their reports with the correct information.
If you submit a dispute by
mail, your dispute letter should include your:
- Complete name
- Telephone number
- Report confirmation number, if available
- Account number for any account you may be disputing
Tip: You should clearly identify each mistake, state the facts, explain why you are disputing the information, and request that it be removed or corrected.
In your letter, you may want to enclose a copy of the portion of your credit report that contains the disputed items and circle or highlight the disputed items. You should include copies (not originals) of documents that support your position.
Send your letter of dispute to credit reporting companies by certified mail and ask for a return receipt, so that you will have a record that your letter was received.
You can contact the nationwide credit reporting companies online, by mail, or by phone:
By mail: Click here to download the dispute form
Mail the dispute form with your letter to:
Equifax Information Services LLC