How to Dispute Credit Report

Request Dispute

How to Request a Dispute with Experian

Experian only deals with disputes reported online and you have to have a credit report to request a dispute. The request can take up to 30 days to be completed. Once the investigation is done Experian will send you an e-mail with the results. You also have the ability to check the status of your dispute on their website.

Have a credit report with a report number?

If you have an Experian credit report that is less than 90 days old and you believe that some of the information is in accurate you can easily submit a dispute online. You simply fill out the information on their dispute page and off you go.

Have a credit report without a report number?

If you purchased the following Experain products through CreditExpert

  • Credit Manager Monitoring Service
  • 3 Bureau report and score for $39.95
  • Credit report and score for $15.00

or purchased a single $10.00 report online for 30 days then you may dispute online through your Experian account.

If you do not have an Experian credit report you must order one in order to request a dispute.

How to Request a Dispute with Transunion

TransUnion will accept a dispute request online, over the phone or through the mail. The investigation can take up to 45 days to be completed. You may check the status of your dispute online by logging into your account on TransUnion’s website. Once the investigation is complete TransUnion will send you an e-mail or letter detailing the results of the investigation.

Requesting a Dispute Online

To request a dispute online all you need to do is to login to your account and fill out the forms. Once the investigation is complete you will receive an e-mail with the results.

Requesting a Dispute Over the Phone

In order to request a dispute over the phone call: 1-800-916-8800 Monday – Friday 8:00a.m – 11:00p.m. ET excluding holidays. Be prepared with the following information:

  • Your TransUnion credit report file number
  • Social security number
  • Birth date
  • Current address
  • Company name of disputed item as listed on your credit report
  • Account number of disputed item as listed on your credit report
  • Reason for your dispute (such as, you have paid the dept, it is not your account)
  • Any corrections to your personal information (ie:address, phone number, etc.)

Allow 3-5 days to receive a letter in the mail once the investigation is complete.

Requesting a Dispute by Mail

To request a dispute by mail you need to print off, fill out and mail in their form. Allow 3-5 days to receive a letter in the mail once the investigation is complete.

How to Request a Dispute with Equifax

Equifax will accept a dispute request online, over the phone or through the mail. You can request a dispute without a confirmation number online and by mail, but you must have one to submit a request over the phone. The investigation can take 30 to 45 days to be completed. Equifax also works with affiliate offices that will need to take care of your dispute. You may check the status of your dispute online by logging into your account with your 10-digit confirmation number found on your Equifax credit report. Once the investigation is complete Equifax will send you an e-mail or letter detailing the results of the investigation.

Requesting a Dispute Online

To request a dispute online you will first need to enter your zip code to determine if you will need to contact an affiliate office or if Equifax can process the dispute online. If an affiliate office needs to process your dispute Equifax will provide you with the phone number to contact them. If you can submit your dispute online you will need to provide the confirmation number on your credit report, last name, street number and the last 4 digits of your social security number.

Requesting a dispute Over the Phone

You must have a current credit report to request a dispute over the phone. To request a dispute call the toll free number listed at the bottom of your credit report. You will also need the 10 digit confirmation number listed on your credit report. Allow 3-5 days to receive a letter once the investigation is complete.

Requesting a Dispute by Mail

To request a dispute by mail you need to print off, fill out and mail in their form. Allow 3-5 days to receive a letter in the mail once the investigation is complete.

From the FTC Web Site

Q: What if I find errors — either inaccuracies or incomplete information — in my credit report?

A: Under the FCRA, both the consumer report­ing company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.

  1. Tell the consumer reporting company, in writing, what information you think is inaccurate. Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information.After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file. When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.)

    If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

  2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.

Q: What can I do if the consumer reporting company or information provider won’t correct the information I dispute?

A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your state­ment to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service. If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.

Author: Dave Nielsen

I started using computers in 1978 on the Apple II and was first online (using my “high-speed” 1200 baud modem) in 1989. I’ve managed web sites for several Fortune 500 companies and for internet start-ups. Working for one of those start-ups is what brought me into the world of credit. I was part of the the executive team that ran QSpace, the first company to offer credit reports over the internet.

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