Credit Bureau Dispute Contact Information

It can be very upsetting to find incorrect information on your credit reports. After all, this essentially means falsehoods are being broadcast about you that anyone with the right to look at credit reports can potentially see. Luckily the process for disputing mistaken bits of data is pretty straightforward. Often the best option is to visit the web page of the credit bureau that is listing the incorrect details. This method tends to be the quickest and most straight-forward. The websites for the three major bureaus are:

If you would like to do a dispute by phone, the numbers for the credit bureaus are:

  • Equifax: 800-685-1111
  • Experian: 888-397-3742
  • TransUnion: 800-916-8800

Keep in mind that for both of the above ways of disputing, your dispute will go much more smoothly if you have copies of the credit reports with you that contain the error(s).

If you would like to fill out a form to fax or mail to the credit bureau to dispute an item, you can find the forms here:

  • Equifax
  • TransUnion
  • Experian does not have a dispute form. You can use this sample dispute template as a general guideline for creating a letter to send to Experian at this address:

    P.O. Box 4000
    Allen, TX 75013

Keep in mind that the credit bureaus don’t communicate with each other about disputes they receive, so if you have a similar error on multiple reports, you need to contact each company separately.


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