The Three Nationwide Credit Reporting Agencies

Equifax, Experian, and TransUnion are the three nationwide consumer credit reporting agencies. Under the Fair Credit Reporting Act, you have the right to dispute inaccurate or incomplete information with each of them. Below are the current dispute contacts for all three, plus how to obtain your free reports.

Get your free credit reports

You are entitled to free copies of your credit report from each of the three agencies. Request them at AnnualCreditReport.com or by calling 1-877-322-8228. This is the only source authorized under federal law for your free reports.

If your dispute involves identity theft

When inaccurate information is the result of identity theft, you can ask the agencies to block it under FCRA § 605B. You will generally need to include a copy of an identity theft report from IdentityTheft.gov. Equifax uses a separate address for identity-theft blocks: Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348-5069.

Practical tips before you mail a dispute

• Send your dispute by certified mail with return receipt requested. The FCRA’s 30-day investigation clock starts when the agency receives your letter.
• Send copies, never originals. Agencies are not required to return documents you mail.
• Keep a copy of everything you send, including proof of mailing.
• Addresses can change. It is worth confirming the current dispute address on the agency’s own website before you mail.

Authoritative sources: CFPB – disputing credit report errors · FTC – disputing errors on your credit reports

This page is general information, not legal advice. Contact details are provided for convenience and may change; verify with the agency before mailing.