Equifax Dispute: 3 Ways to Remove Errors via Online Form, Address & Phone Number

Equifax Dispute

Building credit takes patience, diligence, and time. It’s easy to get tripped up by a few small missteps (like late payments), but it’s even worse when the mistakes hurting your credit score aren’t even yours.

When there’s an error on your credit report, you’re lugging around someone else’s blunder as you try to get a loan or a line or credit. And that’s just unfair.

Righting this wrong is pretty fast and painless through Equifax. Keep reading for how to navigate your way through an Equifax dispute. The credit bureau diligently investigates all claims to ensure that every credit report is error-free. Unfortunately, mistakes on credit reports are more common than many consumers realize and it’s important to stay vigilant to correct them as soon as possible.

We’ll take you through three do-it-yourself methods available at Equifax — online, by mail, or by phone — or you can use a professional service to dispute a credit report error. To jump ahead to the section most helpful to your needs, use these links:

Online | Mail | Phone | Security Freeze | Check Status | Repair Services (3)

1. Report An Error to Equifax Online in a Simple Form

For your convenience, Equifax lets you submit your dispute online. You can put in your claim in moments without leaving the comforting glow of your computer screen.

The form requires information from your Equifax Credit File, including your name, Social Security number, date of birth, and address.

Screenshot of Equifax online dispute page

On Equifax’s website, disputing a credit error is as easy as filling out a single form online.

You’ll also need your 10-digit confirmation number for your file. This can be found on your copy of your Equifax Credit File. Once you input all required fields, confirm that the information is correct and then click “Submit.” A receipt will arrive in an email, and Equifax will handle it from there. This is typically the quickest and easiest way to go through the dispute process.

2. Mail a Letter to Equifax’s Dispute Mailing Address

If computers aren’t your forte, you can always use traditional mail to submit a dispute to Equifax. Simply print out a Research Request Form from the Equifax website. Fill it out, making sure to check the reason for investigation (“not mine,” “paid in full,” “current/previous status incorrect,” or “account closed”), and then mail it to this address:

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374

Equifax will respond within 30 to 45 days of receipt. This method isn’t the speediest, but it gets the job done.

3. Call the Equifax Dispute Phone Number

To speak directly with a live person, call the Equifax Dispute phone number and state your case about any inaccuracies found on your credit report.


You can call this number to initiate a dispute, and a customer service agent will log the information for you on the spot.

Consider Placing a Security Freeze on Your Credit File

A security freeze temporarily stops your credit report from reaching any third party, so no one will see the mistake and penalize you for something that isn’t your fault. This isn’t a necessary step, but it can be a helpful precaution if you’re worried about further damage befalling your finances. You have the right to a voluntary credit freeze from Equifax; however, while the freeze is in place, your credit report will basically be on hold.

You can place a security freeze at Equifax three ways: online (click here to get started), by phone (1-800-349-1111), or in writing at the following address:

Equifax Security Freeze
P.O. Box 105788
Atlanta, Georgia 30348

If you choose to mail in your request, you must include your name, address, Social Security number, date of birth, proof of identification, and payment of any applicable fees. The fees differ depending on your state’s laws, so Equifax keeps a handy chart of fees and requirements for easy reference.

Check Your Credit Dispute Status Online

You can check the status of your dispute online at any time. You’ll just need the 10-Digit Confirmation Number associated with your dispute to look up your particular credit file.

Screenshot of Online Dispute Status

Enter your 10-digit confirmation number to check the status of your dispute online.

After you’ve submitted your dispute, it’s a waiting game to hear back. It typically takes 30 to 45 days for Equifax to investigate the validity of your claim and correct any errors. You’ll be promptly notified by mail of any updates or corrections to your credit file.

Bonus: Credit Repair Services Can Handle Disputes For You

If you don’t have time to deal with credit errors, you can always hire professionals to take care of it on your behalf. To get your credit report patched up without any hassle, use a reliable credit repair service like Lexington Law.

  • Since 2004, Lexington Law Firm clients saw over 81 million items removed from their credit reports
  • Get started today with a free online credit report consultation
  • Cancel anytime
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2004 $99.95 8/10
  • Free online consultation
  • CreditRepair.com members saw over 8.6 million removals on their credit reports since 2012
  • Free access to your credit report summary
  • Three-step plan for checking, challenging and changing your credit report
  • Online tools to help clients track results
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2012 $69.95+ 8/10

+ See more credit repair services

Credit repair services relieve consumers of the stress of navigating a bureau’s arcane rules and regulations alone. Lexington Law even offers a free consultation so you can call them at 1-844-259-3478 and see if this service is right for you.

An Easy Fix — Set the Facts Straight on Your Credit Report

Once free of the burden of credit errors, you can focus on getting your credit score back on track. No one should be weighed down by someone else’s mistakes, so bring your dispute to Equifax using an online form, dispute phone line, mailing address, or third-party assistance.

A dispute can be submitted using a variety of ways so that fixing inaccuracies on a credit report is quick and stress-free. Plus you can always enlist one of these top-rated credit repair services to step in to take care of it for you. However you decide to handle the dispute process, it shouldn’t be very long before your Equifax credit report is back to where it should be — error free. Good luck!

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