You can submit your documents through the Experian Dispute Center or by mail. (If you're disputing by mail, be sure to mail copies of your materials and keep all original documents for your records; you'll also need to send a copy of your government-issued ID.)
If you discover errors on your credit report, gather any supporting documents and include them with a letter disputing the error. Then send it to: The credit reporting agency whose report you are disputing. The company that provided the incorrect information.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
By mail: You can dispute without a credit report by writing to Experian, P.O. Box 4500, Allen, TX 75013. (Printing out Dispute by Mail instructions can streamline the process; you can also scan the completed form and submit it electronically to Experian/upload).
Experian. P.O. Box 9701. Allen, TX 75013.
Documents may be uploaded for online disputes at Experian/upload or submitted by mail. When submitting documents, please only submit copies of documents and not originals. Documents will not be returned to you following the investigation.
The credit bureaus also accept disputes online or by phone: Experian (888) 397-3742. Transunion (800) 916-8800. Equifax (866) 349-5191.
Suppose no correction is made to your Experian dispute results after 30 days. In that case, the FCRA grants you the right to sue Experian.