---
title: Equifax Dispute Request Form (Mail-In)
description: Complete Equifax’s official Dispute Request Form online, attach the required proof-of-identity and proof-of-address copies, and mail your dispute to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256.
seotitle: Equifax Dispute Request Form (Mail-In)
seo-description: Complete Equifax’s official Dispute Request Form online, attach the required proof-of-identity and proof-of-address copies, and mail your dispute to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256.
group: resources
indexable: true
llms: false
schema: webpage
og-image: /forms/equifax-dispute/thumbnail
og-image-alt: Equifax Dispute Request Form generated form preview
published: 2026-07-09
updated: 2026-07-12
tags:
  - consumer credit
  - credit reports
  - credit report dispute
  - credit bureaus
  - mail-in forms
path: /forms/equifax-dispute
---
# Equifax Dispute Request Form (Mail-In)

Complete Equifax’s official Dispute Request Form online, attach the required proof-of-identity and proof-of-address copies, and mail your dispute to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256.

## 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.** -


## 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.

## 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.

## Data collected
- Name, current address, and former address if you moved in the last two years
- Social Security number and date of birth (Equifax requires these to locate your credit file)
- Which proof-of-identity and proof-of-address document copies you are enclosing
- Personal-information corrections you flag (names, addresses, phone, SSN, date of birth, employers)
- Up to six disputed accounts or inquiries: company, account number or inquiry date, reason, and details

## Where it gets mailed
Mailing destination:
- **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.

## Agent summary
This workflow collects identity details, the required proof-document selections, optional personal-information corrections, and up to six disputed accounts or inquiries with Equifax’s fixed reason options and free-text details, to prepare Equifax’s mail-in Dispute Request Form.

## For assistants
Use the Forms Draft API to prefill this form and generate a preview PDF.
- Endpoint: `POST /api/forms/equifax-dispute/drafts`
- Payload: `{ fields: { ... }, attachments: [{ id, label, base64 }] }`
- Required fields: first_name, last_name, current_address, current_city, current_state, current_zip, former_address, former_city, former_state, former_zip, ssn, date_of_birth, proof_identity_ssn_card, proof_address_driver_license, dispute_1_company, dispute_1_account_or_inquiry, dispute_1_reason_1, dispute_2_reason_1, dispute_3_reason_1, dispute_4_reason_1, dispute_5_reason_1, dispute_6_reason_1
- Attachment IDs: proof_of_identity, proof_of_address, supporting_dispute_documents

## LLM field schema
```json
[
  {
    "id": "first_name",
    "label": "First name",
    "type": "text",
    "required": true,
    "meta_class": "name",
    "ui_width": null,
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "last_name",
    "label": "Last name",
    "type": "text",
    "required": true,
    "meta_class": "name",
    "ui_width": null,
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "middle_initial",
    "label": "Middle initial",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": "quarter",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "suffix",
    "label": "Suffix",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": "quarter",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "current_address",
    "label": "Current address",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "current_city",
    "label": "Current city",
    "type": "text",
    "required": true,
    "meta_class": "city",
    "ui_width": "third",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "current_state",
    "label": "Current state",
    "type": "text",
    "required": true,
    "meta_class": "state",
    "ui_width": "third",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "current_zip",
    "label": "Current ZIP",
    "type": "text",
    "required": true,
    "meta_class": "zip",
    "ui_width": "third",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "moved_recently",
    "label": "I've moved in the last 2 years",
    "type": "checkbox",
    "required": false,
    "meta_class": "plain_checkbox",
    "ui_width": null,
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "former_address",
    "label": "Former address",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "moved_recently",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "former_city",
    "label": "Former city",
    "type": "text",
    "required": true,
    "meta_class": "city",
    "ui_width": "third",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "moved_recently",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "former_state",
    "label": "Former state",
    "type": "text",
    "required": true,
    "meta_class": "state",
    "ui_width": "third",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "moved_recently",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "former_zip",
    "label": "Former ZIP",
    "type": "text",
    "required": true,
    "meta_class": "zip",
    "ui_width": "third",
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "moved_recently",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "ssn",
    "label": "Social Security Number",
    "type": "text",
    "required": true,
    "meta_class": "ssn",
    "ui_width": null,
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "date_of_birth",
    "label": "Date of birth",
    "type": "text",
    "required": true,
    "meta_class": "date",
    "ui_width": null,
    "group_id": "identity",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "proof_identity_ssn_card",
    "label": "Proof of identity: Social Security card",
    "type": "checkbox",
    "required": true,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "proof_identity_pay_stub_ssn",
    "label": "Proof of identity: Pay stub with SSN",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "proof_identity_w2_1099",
    "label": "Proof of identity: W2 or 1099",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "proof_address_driver_license",
    "label": "Proof of address: Driver license/state ID",
    "type": "checkbox",
    "required": true,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "proof_address_rental_lease",
    "label": "Proof of address: Rental lease/deed",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "proof_address_pay_stub",
    "label": "Proof of address: Pay stub with address",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "proof_address_utility_bill",
    "label": "Proof of address: Utility or phone bill",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "fraud_identity_theft_victim",
    "label": "I’m disputing items I suspect are fraudulent or from identity theft",
    "type": "checkbox",
    "required": false,
    "meta_class": "plain_checkbox",
    "ui_width": null,
    "group_id": "supporting_docs",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "has_personal_info_corrections",
    "label": "I also need to correct personal details on my report (name, date of birth, phone, SSN, employer, or address)",
    "type": "checkbox",
    "required": false,
    "meta_class": "plain_checkbox",
    "ui_width": null,
    "group_id": "personal_info",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "incorrect_dob",
    "label": "Incorrect date of birth currently on report",
    "type": "text",
    "required": false,
    "meta_class": "date",
    "ui_width": null,
    "group_id": "personal_info",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "has_personal_info_corrections",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "incorrect_phone",
    "label": "Incorrect phone number currently on report",
    "type": "text",
    "required": false,
    "meta_class": "phone",
    "ui_width": null,
    "group_id": "personal_info",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "has_personal_info_corrections",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "incorrect_ssn",
    "label": "Incorrect SSN currently on report",
    "type": "text",
    "required": false,
    "meta_class": "ssn",
    "ui_width": null,
    "group_id": "personal_info",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "has_personal_info_corrections",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "incorrect_employers",
    "label": "Incorrect employers currently on report",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "personal_info",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "has_personal_info_corrections",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "incorrect_names",
    "label": "Names on report that are incorrect",
    "type": "textarea",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "personal_info",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "has_personal_info_corrections",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "incorrect_addresses",
    "label": "Addresses on report that are incorrect",
    "type": "textarea",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "personal_info",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "has_personal_info_corrections",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_1_company",
    "label": "Dispute 1 company name",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_account_or_inquiry",
    "label": "Dispute 1 account number or inquiry date",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_1",
    "label": "Dispute 1: Account not mine",
    "type": "checkbox",
    "required": true,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_2",
    "label": "Dispute 1: Account closed",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_3",
    "label": "Dispute 1: Current/previous payment status incorrect",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_4",
    "label": "Dispute 1: Fraud",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_5",
    "label": "Dispute 1: Account paid in full",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_6",
    "label": "Dispute 1: Inquiry removal",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_7",
    "label": "Dispute 1: Last payment date or closed date incorrect",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_8",
    "label": "Dispute 1: Mixed with another person",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_9",
    "label": "Dispute 1: Not liable",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_reason_10",
    "label": "Dispute 1: Date of last activity incorrect",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_other_explanation",
    "label": "Dispute 1: anything the checkboxes above don't cover (optional)",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_1_details",
    "label": "Dispute 1 details",
    "type": "textarea",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_2_company",
    "label": "Dispute 2 company name",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_2_account_or_inquiry",
    "label": "Dispute 2 account number or inquiry date",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_2_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_2_reason_1",
    "label": "Dispute 2: Account not mine",
    "type": "checkbox",
    "required": true,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_2_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_2_reason_2",
    "label": "Dispute 2: Account closed",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_2_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_2_reason_3",
    "label": "Dispute 2: Current/previous payment status incorrect",
    "type": "checkbox",
    "required": false,
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    "id": "dispute_2_reason_4",
    "label": "Dispute 2: Fraud",
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    "label": "Dispute 2: Account paid in full",
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    "group_id": "disputes_1_3",
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    "id": "dispute_2_reason_6",
    "label": "Dispute 2: Inquiry removal",
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    "required": false,
    "meta_class": "radio",
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    "id": "dispute_2_reason_7",
    "label": "Dispute 2: Last payment date or closed date incorrect",
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    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
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      "fieldId": "dispute_2_company",
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    "id": "dispute_2_reason_8",
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    "required": false,
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    "compound_subfields": null
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    "id": "dispute_2_reason_9",
    "label": "Dispute 2: Not liable",
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    "required": false,
    "meta_class": "radio",
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    "id": "dispute_2_other_explanation",
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    "ui_width": null,
    "group_id": "disputes_1_3",
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      "fieldId": "dispute_2_company",
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    "group_id": "disputes_1_3",
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    "id": "dispute_3_company",
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    "group_id": "disputes_1_3",
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    "id": "dispute_3_account_or_inquiry",
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    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_1_3",
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    "compound_subfields": null
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    "required": true,
    "meta_class": "radio",
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    "group_id": "disputes_1_3",
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    "id": "dispute_3_reason_2",
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    "meta_class": "radio",
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    "id": "dispute_3_reason_3",
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    "required": false,
    "meta_class": "radio",
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    "group_id": "disputes_1_3",
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    "id": "dispute_3_reason_4",
    "label": "Dispute 3: Fraud",
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    "required": false,
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    "group_id": "disputes_1_3",
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    "id": "dispute_3_reason_5",
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    "required": false,
    "meta_class": "radio",
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    "group_id": "disputes_1_3",
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      "fieldId": "dispute_3_company",
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    "compound_subfields": null
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    "id": "dispute_3_reason_6",
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    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
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    "id": "dispute_3_reason_7",
    "label": "Dispute 3: Last payment date or closed date incorrect",
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    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_1_3",
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    "id": "dispute_3_reason_8",
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    "required": false,
    "meta_class": "radio",
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    "group_id": "disputes_1_3",
    "choice_group": null,
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    "compound_subfields": null
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    "id": "dispute_3_reason_9",
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    "required": false,
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    "ui_width": null,
    "group_id": "disputes_1_3",
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    "id": "dispute_3_reason_10",
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    "group_id": "disputes_1_3",
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    "id": "dispute_3_other_explanation",
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    "ui_width": null,
    "group_id": "disputes_1_3",
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    "id": "dispute_4_company",
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    "group_id": "disputes_4_6",
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    "id": "dispute_4_account_or_inquiry",
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    "id": "dispute_4_reason_1",
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    "meta_class": "radio",
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    "group_id": "disputes_4_6",
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      "fieldId": "dispute_4_company",
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    "id": "dispute_4_reason_2",
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    "id": "dispute_4_reason_3",
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    "id": "dispute_4_reason_4",
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    "group_id": "disputes_4_6",
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    "id": "dispute_4_reason_5",
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    "id": "dispute_4_reason_6",
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    "meta_class": "radio",
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    "group_id": "disputes_4_6",
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    "id": "dispute_4_reason_7",
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    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
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    "id": "dispute_4_reason_8",
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    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
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      "fieldId": "dispute_4_company",
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    "id": "dispute_4_reason_9",
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    "meta_class": "radio",
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    "group_id": "disputes_4_6",
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    "id": "dispute_4_reason_10",
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    "meta_class": "radio",
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    "group_id": "disputes_4_6",
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      "fieldId": "dispute_4_company",
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    "id": "dispute_4_other_explanation",
    "label": "Dispute 4: anything the checkboxes above don't cover (optional)",
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    "required": false,
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    "ui_width": null,
    "group_id": "disputes_4_6",
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      "fieldId": "dispute_4_company",
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    "id": "dispute_4_details",
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    "group_id": "disputes_4_6",
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    "id": "dispute_5_company",
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    "group_id": "disputes_4_6",
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    "id": "dispute_5_account_or_inquiry",
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    "group_id": "disputes_4_6",
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    "id": "dispute_5_reason_1",
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    "required": true,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
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      "fieldId": "dispute_5_company",
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    "id": "dispute_5_reason_2",
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    "group_id": "disputes_4_6",
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    "id": "dispute_5_reason_3",
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    "meta_class": "radio",
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    "id": "dispute_5_reason_4",
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    "id": "dispute_5_reason_5",
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    "id": "dispute_5_reason_6",
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    "id": "dispute_5_reason_7",
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    "id": "dispute_5_reason_8",
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    "id": "dispute_5_reason_9",
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    "id": "dispute_5_reason_10",
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    "meta_class": "radio",
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    "group_id": "disputes_4_6",
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    "id": "dispute_5_other_explanation",
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    "ui_width": null,
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  },
  {
    "id": "dispute_5_details",
    "label": "Dispute 5 details",
    "type": "textarea",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_5_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_company",
    "label": "Dispute 6 company name",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "dispute_6_account_or_inquiry",
    "label": "Dispute 6 account number or inquiry date",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_1",
    "label": "Dispute 6: Account not mine",
    "type": "checkbox",
    "required": true,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_2",
    "label": "Dispute 6: Account closed",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_3",
    "label": "Dispute 6: Current/previous payment status incorrect",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_4",
    "label": "Dispute 6: Fraud",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_5",
    "label": "Dispute 6: Account paid in full",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_6",
    "label": "Dispute 6: Inquiry removal",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_7",
    "label": "Dispute 6: Last payment date or closed date incorrect",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_8",
    "label": "Dispute 6: Mixed with another person",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_9",
    "label": "Dispute 6: Not liable",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_reason_10",
    "label": "Dispute 6: Date of last activity incorrect",
    "type": "checkbox",
    "required": false,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_other_explanation",
    "label": "Dispute 6: anything the checkboxes above don't cover (optional)",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "dispute_6_details",
    "label": "Dispute 6 details",
    "type": "textarea",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "disputes_4_6",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "dispute_6_company",
      "operator": "truthy"
    },
    "compound_subfields": null
  }
]
```

## Sources
- [Equifax: What to do if you disagree with dispute results](https://www.equifax.com/personal/help/article-list/-/h/a/steps-dispute-credit-investigation-results/)
- [CFPB: How do I dispute an error on my credit report?](https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/)
- [CFPB: How long does it take to repair an error on a credit report?](https://www.consumerfinance.gov/ask-cfpb/how-long-does-it-take-to-repair-an-error-on-a-credit-report-en-1339/)
- [Official instructions](https://www.equifax.com/personal/help/article-list/-/h/a/mail-in-credit-report-dispute/)
- [Official PDF](https://assets.equifax.com/assets/personal/Dispute.pdf)

## Last verified
2026-07-12


## 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.


## Related
- [Experian Dispute Form](/forms/experian-dispute)
- [Annual Credit Report Request Form](/forms/annual-credit-report-request)
- [IRS Form 8822](/forms/8822)
- [IRS Form 8822-B Business Change of Address Packet](/forms/8822-b)