How do I correct or dispute inaccuracies on my credit file by mail?

You may want to contact each of your creditors and make sure that they have your personal information correct in their records.  Updating your personal information with your creditors will help to make sure that information reported to the credit bureaus by your creditor is correct.

If you believe that any item of information contained in your credit file is incomplete or inaccurate and notify the credit bureaus directly, they will investigate the item free of charge. Based on the results of the investigation, they will either update the current status of the disputed information (which may include letting you know if the furnisher of the information verified it was reporting correctly) or delete the item from your file.

You should dispute errors by mail if we are unable to process your request online, or if you prefer to track the dispute through certified mail.

EQUIFAX DISPUTE BY MAIL:

To request an investigation by U.S. mail, please print and complete this form and mail to the following address:

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

More details from Equifax.

EXPERIAN DISPUTE BY MAIL:

Experian’s mailing address for dispute requests is:

P.O. Box 4500
Allen, TX 75013

Please include all of the following when requesting your dispute:

• Your full name including middle initial (and generation such as JR, SR, II, III)
• Your date of birth
• Your Social Security number (if you have never been issued a social security number, please note that in your request)
• All addresses where you have lived during the past two years
• One copy of a government issued identification card, such as a driver’s license or state ID card, etc.
• One copy of a utility bill, bank or insurance statement, etc.
• List each item on your report that you believe is inaccurate, the account number and the specific reason you feel the information is incorrect.
• There is no charge for submitting a dispute.

Send your completed dispute information to the address above. Only include copies and do not send original documentation. Experian cannot return copies from your mailed request.

More details from Experian.

TRANSUNION DISPUTE BY MAIL:

To dispute with TransUnion, you will need to submit this form to the address below. Also attach copies of any supporting documents to the form.

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000

As a reminder when disputing any inaccuracies on your credit report through mail, make sure you send the letter certified mail with return signature. This is just added security and well worth the small fee.