How Do I Dispute an Error on My Credit Report?

Sending a dispute letter is one of the best ways to dispute an error on a credit report.

An AI generated image showing two teddy bears arguing.
A couple of teddy bears argue over a credit report.

If you identify an error on your credit report, it's important to take action to have it corrected. The U.S. Consumer Financial Protection Bureau (CFPB) recommends disputing the error with a credit-reporting company such as Experian, Equifax, or TransUnion.

To dispute an error on your credit report, follow these steps:

Write a dispute letter: Explain what you think is wrong and why, and include copies of documents supporting your dispute. Be sure to include your contact information, a report confirmation number if you have one, and a clear explanation of each mistake.

Send the dispute letter: You can send your dispute letter to the credit reporting company by mail, online, or phone. You can send it by certified mail and ask for a return receipt to have a delivery record.

Dispute with the information furnisher: If the error was caused by a company that provided information to the credit reporting company, such as your bank, you could also dispute the error with that company.

It's important to keep copies of your dispute letter and any enclosures for your records.

You can find more information about disputing errors on your credit report, including instructions and a template letter, on the U.S. Consumer Financial Protection Bureau's website.

Credit Bureau Contact Information

This was the contact information available for these credit bureaus at the time of writing.

Credit Reporting Company Online Dispute Mail Dispute Phone Dispute
Equifax Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348
Phone number provided on credit report or (866) 349-5191
Experian Experian
P.O. Box 4500
Allen, TX 75013
Phone number provided on credit report or (888) 397-3742
TransUnion TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
(800) 916-8800

Example Dispute Letters

The CFPB includes a couple of sample dispute letters in Microsoft Word format. Here are versions of those letters that you can use to dispute credit report errors.

Sample Dispute Letter for Information Furnisher.

Sample Dispute Letter for a Credit Bureau.

Further Reading

Lot's of very good journalists, credit experts, and content marketers have also written about how to dispute errors on your credit report. While the approach is almost identical to what we are reporting here, it never hurts to read a few different sources.