The Equifax dispute address
To dispute information on your Equifax credit report by mail, address the letter to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256. That is the address Equifax publishes for mailed credit report disputes, and it accepts a dispute at no charge to you. Read on for the faster online route first, what to put in the envelope, and the 30-day clock you start by sending it.
Sources below are the bureau’s own dispute page, statute text at law.cornell.edu, and the same three primary pages behind our master address list. Checked 15 October 2026.
Start online, not in the postbox
Equifax describes an online service so you can do it yourself, and keeps mail-in forms for services the online route does not cover. All three bureaus lead with a portal for the same reason: it is faster and starts the statutory clock without waiting for the mail. Use equifax.com/personal/disputes, or call 1-888-378-4329.
The address, printed for you to copy
Authorities print this box under several ZIP codes — 30374, 30348, 30374-0256. It is the same box either way; the address page has the full comparison.
All three dispute addresses side by side
The same item does not appear in all three files, so you usually need to dispute with each bureau. These are the three verified mail addresses and the free online route for each.
| Bureau | Dispute free online | Mail dispute address |
|---|---|---|
| Equifax | equifax.com/personal/disputes | P.O. Box 740256, Atlanta, GA 30374-0256 |
| Experian | Online and mail details | P.O. Box 4500, Allen, TX 75013 |
| TransUnion | Online and mail details | P.O. Box 2000, Chester, PA 19016-2000 |
The 30-day clock
Once Equifax receives your dispute it must investigate and report within 30 days, free of charge — 15 U.S.C. §1681i(a)(1)(A). It may take up to 15 days longer, but only if it tells you and explains why: 15 U.S.C. §1681i(a)(1)(B). That is the whole extension.
The burden is the bureau’s. Under 15 U.S.C. §1681i(a)(5)(B)(i), deleted information may not return unless the company that furnished it certifies it is complete and accurate. If an investigation ends and the item is still there, you can write a statement of dispute of 100 words or fewer, 15 U.S.C. §1681i(b).
What to put in the envelope
- One letter, naming one item — creditor name, account number if you have it, the exact line you dispute.
- A copy of the report page showing that item.
- A copy of a government photo ID, signature line redacted.
- Your return address, and the one disputed line marked.
- Certified mail, return receipt requested. The 30 days run from the day Equifax receives the letter. Keep the green card.
Came from a collection agency instead? A second 30-day duty runs in parallel: how to dispute with a debt collector, and the debt validation letter.
Questions people actually ask
How long does Equifax have to investigate?
Thirty days from receipt, free, under §1681i(a)(1)(A), plus up to 15 more if Equifax notifies you and explains why under §1681i(a)(1)(B).
Do I have to mail it, or can I dispute online?
Either works, and most people should start online. Use the P.O. Box when your dispute needs an original document attached.
Is there a different address for my state?
No — Equifax publishes no official per-state dispute table. If your own report shows a different address, use that one.
Where this goes next
Need the wording? The dispute letter templates are one letter per bureau per problem type. For a specific balance rather than an error, the debt validation letter is stronger. If all three bureaus came back without a fix, where to file next has the state agencies.
Write your Equifax dispute letter
You fill in the blanks and mail it yourself. We do not send anything for you and we cannot remove anything from your report — this is your FCRA right, with software you keep.
Sources
- Equifax — its own dispute page: the address, and the online-versus-mail ordering.
- 15 U.S.C. §1681i(a)(1)(A), (a)(1)(B), (a)(5)(B)(i) and (b) — the clock, the extension, the burden of proof, the 100-word statement. Text at law.cornell.edu/uscode/text/15/1681i.