Credit Bureau Mailing Addresses and Contact Information

Key Takeaways

Each bureau has a specific address for disputes
Mail disputes using certified mail with return receipt
Online disputes are faster but create less documentation
Dispute with each bureau showing the error separately
Keep copies of everything you send

Experian Contact Information

Experian

Dispute Address: P.O. Box 4500, Allen, TX 75013
Phone: 1-888-397-3742
Website: experian.com/disputes
Fraud Alert: 1-888-397-3742

Experian Addresses by Purpose

Disputes: Experian, P.O. Box 4500, Allen, TX 75013
Credit Report Requests: Experian, P.O. Box 2002, Allen, TX 75013
Opt-Out of Prescreened Offers: Experian Consumer Opt-Out, P.O. Box 919, Allen, TX 75013

Equifax Contact Information

Equifax

Dispute Address: P.O. Box 740256, Atlanta, GA 30374
Phone: 1-800-685-1111
Website: equifax.com/personal/credit-report-services
Fraud Alert: 1-800-525-6285

Equifax Addresses by Purpose

Disputes: Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256
Credit Report Requests: Equifax, P.O. Box 740241, Atlanta, GA 30374
Fraud/Identity Theft: Equifax, P.O. Box 105069, Atlanta, GA 30348-5069

TransUnion Contact Information

TransUnion

Dispute Address: P.O. Box 2000, Chester, PA 19016
Phone: 1-800-916-8800
Website: transunion.com/credit-disputes
Fraud Alert: 1-800-680-7289

TransUnion Addresses by Purpose

Disputes: TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016
Credit Report Requests: TransUnion, P.O. Box 2000, Chester, PA 19016
Fraud/Identity Theft: TransUnion Fraud Victim Assistance, P.O. Box 2000, Chester, PA 19016

Tips for Mailing Disputes

Always Use Certified Mail

Send disputes via USPS Certified Mail with Return Receipt Requested. This costs about $7-8 but provides proof that your dispute was delivered and the date received.

What to Include

Your full legal name
Current address (and previous if moved recently)
Date of birth
Social Security Number (last 4 digits if concerned)
Clear description of the disputed item
Why the information is wrong
Copies of supporting documentation (never originals)
Copy of government-issued ID
Copy of utility bill or bank statement showing address

Keep Copies of Everything

Make copies of your dispute letter and all documents before mailing. Keep these with your certified mail receipt. You may need to reference them for follow-up disputes or legal proceedings.

Online vs. Mail Disputes

While online disputes are faster, mail disputes are generally recommended for serious disputes because:

Creates a documented paper trail
Allows you to include supporting documents
Isn't limited by dropdown menus and character limits
Proves you sent the dispute on a specific date
Better for potential legal action later

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Frequently Asked Questions

Mail is generally recommended for disputes. It creates a paper trail, allows you to include documentation, and isn't subject to the limitations of online dispute forms. Use certified mail with return receipt.

Yes, if the error appears on multiple reports. Each bureau maintains separate records. An error on your Experian report won't be fixed on Equifax or TransUnion unless you dispute with each.

Credit bureaus must investigate disputes within 30 days (45 days if you provide additional information during the investigation). They must notify you of results within 5 days of completing the investigation.

Credit bureaus don't accept email disputes. You must use their online dispute portal, mail, or phone. Mail provides the best documentation for your records.

If a bureau doesn't respond within 30-45 days, the disputed item must be removed. Document the timeline and file a complaint with the CFPB if they don't comply.