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Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
Once you find an error, you need to contact Equifax to let them know. You can do this one of three ways: Via web, by using the Equifax online dispute form. Via mail, by writing to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374.
Your dispute letter should include the following information: Your full name. Your date of birth. Your Social Security number. Your current address and any other addresses at which you have lived during the past two years. A copy of a government-issued identification card such as a driver's license or state ID.
You can also submit disputes online at myequifax.com. Identification Information. Proof of Identity. Proof of Address. Complete, Print, and send (via U.S. mail) this form along with the requested documents to the following address: Equifax Information Services LLC. ... FRAUD/IDENTITY THEFT VICTIM.
Send a Dispute Letter to Your Card Company your name and account number. the dollar amount of the disputed charge. the date of the disputed charge. an explanation of why you think the charge is incorrect.