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Dispute Strategies & Letters

How to Dispute Items with Equifax: Complete Guide

Step-by-step instructions for filing disputes with Equifax online, by mail, and by phone. Step-by-step guide from Credit Booster credit specialists.

By Credit Booster TeamPublished April 10, 2026Updated April 11, 2026

Disputing with Equifax

Method 1: Online

  • Go to equifax.com/personal/disputes
  • Create or sign into your account
  • Select the item(s) to dispute
  • Choose your reason
  • Upload supporting documents
  • Submit
  • Method 2: By Mail (Recommended)

    Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256

    Why mail is better: Creates a paper trail, harder for them to use generic responses, certified mail proves delivery.

    Method 3: By Phone

    (866) 349-5191

    What Equifax Must Do

  • Investigate within 30 days (45 if you send additional info)
  • Forward your dispute to the data furnisher
  • Review all relevant information you provide
  • Remove or modify inaccurate information
  • Send you written results
  • Pro Tips for Equifax Disputes

  • Equifax tends to be more responsive to detailed disputes
  • Always include your Equifax file number
  • Reference specific sections of the FCRA
  • AK

    Written by

    Alexander Katsman

    Founder, Credit Booster & Credit Booster AI

    Alexander Katsman has spent more than 15 years in credit and finance, helping thousands of people and small business owners dispute inaccurate reporting, rebuild their scores, and get approved for funding they were once denied. His latest project, Credit Booster AI, puts that entire toolkit in everyone's hands, using AI to make fixing, building, and funding your credit accessible to all.

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