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Step 1 of 4Equifax · 2023

Equifax Dispute Request Form (Mail-In)

Use this workflow when you want to dispute inaccurate information on your Equifax credit report by mail. Disputing is always free directly with Equifax, and their online option at myEquifax is usually fastest — mail is the route people choose when they want to enclose copies of supporting documents and keep dated proof of exactly what they sent, the paper trail commonly recommended for Fair Credit Reporting Act disputes. PostalForm fills out Equifax’s official form from your answers, prints it with your document copies, and mails it to Equifax’s dispute address in Atlanta.

Fix an error on your Equifax credit report

We prepare your document, print it, and mail it for you — First-Class, or USPS Certified Mail with proof of delivery when you want it. You preview the exact PDF before you pay.

Certified Mail available
Current step
Identification information
First name, Last name, and Current address
This step
11 fields · 8 required

Step 1

Identification information

First name, Last name, and Current address

8 required

Equifax requires your SSN to locate your credit file. PostalForm places it on the official form and processes it to prepare and fulfill this mailing as described in the PostalForm privacy policy.

Need more context?

The form is ready to fill now. If you want supporting instructions, mailing notes, or source links, they are below.

Important details+

Disputing with Equifax is always free, and their online option at myEquifax is usually fastest. Mail is the route people choose when they want to enclose document copies and keep dated proof of exactly what they sent. Tell us what’s wrong, attach the ID and address documents Equifax requires, and we prepare and mail the official Dispute Request Form to Equifax in Atlanta — Certified Mail optional if you want delivery proof. Under the FCRA, Equifax generally has 30 days to investigate (45 in some cases) and then sends you the results.

What you need+
  • Your name, current address, Social Security number, and date of birth (plus your former address if you moved in the last two years)
  • One proof-of-identity document copy that shows your SSN (Social Security card, pay stub with SSN, or W-2/1099)
  • One proof-of-address document copy that shows your current mailing address (driver’s license or state ID, lease or deed, pay stub, or utility/phone bill)
  • The company name, account number or inquiry date, and reason for each disputed item (up to six per form)
  • Copies of any documents that support your dispute — never originals
  • Proof of identity document (required) — Attach a copy of one identity document that shows your Social Security number: Social Security card, pay stub with SSN, or W-2/1099. Equifax asks for enlarged, legible copies without highlighting. Copies only — never originals.
  • Proof of current address document (required) — Attach a copy of one document that shows your current mailing address: driver’s license or state ID, rental lease or house deed, pay stub, or a utility/phone bill. Enlarge small print. Copies only — never originals.
  • Supporting dispute documentation (optional) — Attach copies of account statements, payment confirmations, police reports, or an FTC identity theft report when available. Anything you send may be shared with the companies you are disputing.
Form summary+

Use this workflow when you want to dispute inaccurate information on your Equifax credit report by mail. Disputing is always free directly with Equifax, and their online option at myEquifax is usually fastest — mail is the route people choose when they want to enclose copies of supporting documents and keep dated proof of exactly what they sent, the paper trail commonly recommended for Fair Credit Reporting Act disputes. PostalForm fills out Equifax’s official form from your answers, prints it with your document copies, and mails it to Equifax’s dispute address in Atlanta.

How it works+
  1. Enter your identifying details and check which document copies you are enclosing.
  2. Flag any personal-information errors, then describe up to six disputed accounts or inquiries.
  3. Upload copies of your proof documents and any supporting records.
  4. Review the finished Dispute Request Form PDF exactly as it will print.
  5. We print and mail the packet to Equifax in Atlanta — Certified Mail optional for delivery proof.
Where it gets mailed+

We prefill the recipient for you.

Equifax Information Services LLC
P.O. Box 740256 Atlanta, GA 30374-0256
Packet order+
  • Cover sheet (auto-generated)
  • Completed form PDF
  • Attachments (in the order you upload)
Common mistakes+
  • Leaving out the required proof-of-identity and proof-of-address copies — Equifax may ask you to resubmit.
  • Sending copies that are too small to read or that contain highlighting; Equifax asks for enlarged, legible, highlight-free copies.
  • Mailing original documents instead of copies.
  • Not giving an account number or inquiry date, which makes the item hard to locate.
  • Disputing with only one bureau when the same error appears on your Experian and TransUnion reports too — each bureau must be disputed separately.
  • Mailing a dispute to the Annual Credit Report request service in Atlanta instead of Equifax’s dispute P.O. Box.
FAQs+
Where do I mail an Equifax dispute?

Mail your completed Dispute Request Form and document copies to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256.

How long does an Equifax dispute take?

Under the Fair Credit Reporting Act, Equifax generally must investigate within 30 days of receiving your dispute — up to 45 days if you send additional relevant information during the investigation — and then notify you of the results.

Can I dispute with Equifax online instead?

Yes. Equifax accepts free online disputes through myEquifax at myequifax.com, which is usually faster. Mail makes sense when you want to enclose document copies and keep dated proof of exactly what you sent.

Is disputing my Equifax report free?

Yes — filing a dispute with Equifax is free by mail or online. PostalForm’s fee covers preparing the official form, printing your documents, and mailing the packet.

What documents does Equifax require with a mailed dispute?

One proof-of-identity copy that shows your SSN (Social Security card, pay stub with SSN, or W-2/1099) and one proof-of-address copy that shows your current mailing address (driver’s license or state ID, lease or deed, pay stub, or utility/phone bill). Equifax asks that copies be enlarged, legible, and free of highlighting.

Should I send my Equifax dispute by Certified Mail?

It’s optional. Certified Mail adds a dated mailing and delivery record, which is the classic advice for credit disputes when you want proof of when the bureau received your letter. A regular First-Class dispute is also valid.

How many items can I dispute at once?

This workflow prepares up to six disputed accounts or inquiries on Equifax’s official form, plus personal-information corrections. If you have more, you can submit another dispute.

Will this fix my Experian and TransUnion reports too?

No. Each bureau keeps its own file, so you must dispute with each bureau where the error appears. Experian has its own mail-in dispute form, and TransUnion accepts disputes by mail at TransUnion Consumer Solutions in Chester, PA.

What if the items are from identity theft?

Check the fraud/identity-theft box on the form and include a copy of your police report, FTC identity theft report, or fraud affidavit if you have one.

Sources+
Related+
Last verified+

Last Equifax verification: July 12, 2026