Where to Mail Your Credit Dispute Letter

Send your FCRA dispute letter to the bureau that's reporting the error. Use Certified Mail with Return Receipt and enclose copies of your supporting documents.

Equifax

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Phone: 1-866-349-5191
Online: equifax.com/personal/credit-report-services

Experian

Experian
P.O. Box 4500
Allen, TX 75013

Phone: 1-888-397-3742
Online: experian.com/disputes

TransUnion

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

Phone: 1-800-916-8800
Online: transunion.com/credit-disputes

Always verify before mailing. Bureaus occasionally update their P.O. boxes. The address printed on your own credit report's dispute instructions always takes priority over any third-party list, including this one.

Tips for mailing your dispute

Send a separate letter to each bureau reporting the error.
Use USPS Certified Mail with Return Receipt for dated proof of delivery.
Enclose copies — never originals — of your evidence.
Keep a copy of the signed letter and your mailing receipt.
Include your full name, current address, and last 4 of your SSN so the bureau can match your file.

Generate My Dispute Letter