The Experian dispute address
To dispute information on your Experian credit report by mail, address the letter to Experian, P.O. Box 4500, Allen, TX 75013. That is the address Experian prints for mailed credit report disputes, and a mailed dispute costs you nothing. Below: the online route Experian leads with, what to put in the envelope, and the 30-day clock that starts when your letter arrives.
Sources below are Experian’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.
Experian’s own page says “Dispute online”
Of the three bureaus, Experian states its preferred route most plainly: the heading on its own dispute page is literally Dispute online. Online is faster, confirms on screen, and starts the statutory clock without waiting for transit. Use experian.com/help/dispute-credit, or call 1-888-397-3742, before you write a word by hand.
The P.O. Box below is the documented route for paper, and it is free.
The address, printed for you to copy
Experian is also the one bureau that publishes all three bureaus’ dispute addresses on a single page, which is why we use it as the cross-check on our other two address pages. The Equifax address and the TransUnion address are on their own pages.
All three dispute addresses side by side
You almost always need to dispute with each bureau separately, and the same item does not appear in all three files — one bureau can be clean while another is not. Here are the three verified mail addresses next to 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 | experian.com/help/dispute-credit | P.O. Box 4500, Allen, TX 75013 |
| TransUnion | Online and mail details | P.O. Box 2000, Chester, PA 19016-2000 |
The 30-day clock, and what it actually obliges Experian to do
Once Experian receives your dispute it must investigate and report the results 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 it is doing so and explains why: 15 U.S.C. §1681i(a)(1)(B). That is the entire extension. It is not open-ended and it does not restart when you write again.
The proof sits with the bureau. Under 15 U.S.C. §1681i(a)(5)(B)(i), anything Experian deletes may not come back unless the company that furnished it certifies it is complete and accurate. If an investigation ends and the item is still there, you can send a statement of dispute of 100 words or fewer, 15 U.S.C. §1681i(b); under §1681i(c) it is reported to every future furnisher.
What to put in the envelope
- One letter, naming one item. Give the creditor name, the account number if you have it, and the exact line you dispute.
- A copy of the report page showing the item, so the reader need not pull your file.
- A copy of a government photo ID, signature line redacted.
- Your return address, and the one disputed line marked — not the whole page highlighted.
- Certified mail, return receipt requested. The 30 days run from the day the letter arrives, not your postmark, so the green card is the only proof of the date you were given.
If the entry came from a collection agency, a second 30-day duty runs in parallel. How to dispute with a debt collector covers that, and the debt validation letter makes them prove the debt is yours.
Questions people actually ask
How long does Experian have to investigate?
Thirty days from receipt, free of charge, under 15 U.S.C. §1681i(a)(1)(A), plus up to 15 more if Experian notifies you and explains why under §1681i(a)(1)(B).
Do I have to mail it, or can I dispute online?
Either works — Experian itself leads with online, and most people should start there. Use the P.O. Box above when your dispute needs an original document attached.
What if Experian upholds the item anyway?
Write a statement of dispute of 100 words or fewer, which 15 U.S.C. §1681i(b) caps. Under §1681i(c) Experian must note it in your file and report it to future furnishers, and the company that supplied the item must certify it complete and accurate before it can return.
Where this goes next
You have the address; now the words. The dispute letter templates are written as one letter per bureau per problem type. For a specific balance rather than an error, the debt validation letter is stronger — it puts the burden on the company claiming you owe the money. If all three bureaus came back without a fix, where to file next has the state agencies and regulators that are not the bureaus.
Write your Experian 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, exercised by you, with software you keep.
Sources
- Experian — its own dispute page, the source of the address, of the “Dispute online” heading, and of the three-bureau list we cross-check against.
- 15 U.S.C. §1681i(a)(1)(A) and (a)(1)(B) — the 30-day investigation and the 15-day extension; §1681i(a)(5)(B)(i) — the burden of proof on the furnisher; §1681i(b) and (c) — the 100-word statement of dispute and the duty to report it. Text at law.cornell.edu/uscode/text/15/1681i.