I am a veteran, and I have a medical debt on my credit report that is being paid by the Department of Veterans Affairs. What can I do?

If you need to dispute medical debt information on your Equifax credit report because the debt is being paid by the Department of Veterans Affairs (VA), you'll need to submit certain documentation.

Specifically, you'll need to provide:

  • A "Notification to Veteran" from the Department of Veterans Affairs saying the department is assuming liability for all or part of your medical debt; or
  • Documentation showing that the Department of Veterans Affairs is in the process of making payment for the medical debt.

In addition, you'll need to provide documents to verify your identity. Read more about acceptable documents here.

If a spouse or third party would like to dispute the medical debt on your behalf, a valid Power of Attorney must be provided with the VA documentation.

Copies of your documents must be provided by mail or fax to Equifax at the address or fax number below. Please include a letter stating you are disputing medical debt on your Equifax credit report that is being paid by the VA along with your supporting documents.

Mail:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374 

Fax:
(888) 826-0598

When we receive your documents, we will notify you of any action taken within 30 days.

For additional information, you can contact the Department of Veterans Affairs at (877) 881-7618.