A credit account, bankruptcy, collection, lien or judgment can be disputed online. Some items (name, current or previous address or Social Security Number) may not be disputed online.
If you submit your dispute with Equifax online the results of our reinvestigation will ONLY be provided to you online. You will need to ensure that any spam blocker or email settings for the email account you provide while disputing online are set up to allow for emails from Equifax.
If you want the results of the reinvestigation mailed to you, you should NOT submit your dispute to Equifax online, but should submit it by mail or phone.
Questions we hear. Answers you need.
What is a Report Confirmation Number and how do I use it?
Your Report Confirmation Number can be found at the top of your Equifax credit report. It is used to help you initiate a phone dispute of your credit file information. We request it for an online dispute, but it is not required. This number allows Equifax to more easily access your credit file. Please keep this number for your records.
What if my credit report does not have a Report Confirmation Number?
Supporting documentation is needed for some disputes, such as name, address, and updates to your Social Security Number, which can not be provided to us online.
How can I talk to a live person to dispute information in my credit report?
You will need to have a recent copy of your Equifax credit report with the Report Confirmation Number to talk to a live representative. A phone number will be included in your Equifax credit report that will give you access to a live phone agent. Access a free online copy of your Equifax credit report.
How long does it take to get a resolution to my dispute?
It can take up to 30-45 days depending on the nature of your dispute and whether the dispute is of information in a credit report other than your FACT Act free annual disclosure report . If the dispute is with information in your FACT Act free annual disclosure report this can take up to 45 days. Otherwise, your dispute should be resolved in 30 days. However, your dispute response may be available prior to 30 days depending on the nature of the dispute and the response time from any creditors that are contacted.
How can I check the status of my dispute?
Within a month of your dispute request, either Equifax or CSC Credit Services (depending on who owns your credit file) should notify you of the results of its dispute reinvestigation and provide you with a credit file reflecting the results of the reinvestigation at no charge. You should examine it carefully to see if information you disputed has been changed or removed. If information you disputed has been re-verified it will remain in your credit file, but you can request that it be shown as disputed and you can add a statement of explanation to your credit file. If you dispute online, you may check the status of your dispute by clicking here and entering your Confirmation Number.
Who is CSC Credit Services?
CSC Credit Services is a separate company, not owned by Equifax, which operates locally in some parts of the country. Similar to Equifax, CSC Credit Services owns credit files and they are reported through the Equifax credit reporting system. If your file is owned by CSC Credit Services you should initiate your dispute activity directly with CSC Credit Services.
For a dispute write to:
CSC Credit Services
PO Box 619054
Dallas, TX 75261-9054
For a fraud dispute write to:
CSC Credit Services
PO Box 619046
Dallas, TX 75261-9046
What are my rights under the federal Fair Credit Reporting Act (FCRA)?
You can learn about your credit rights and responsibilities under the FCRA at this link