Dispute Inaccurately Reported Information
The consumer must write a letter of dispute regarding a specific piece of information reported by a specific Credit Reporting Agency, CRA referencing the trade line, account numbers, and what is being disputed. Send the letter overnight mail, with a return receipt requested, or file online at the CRA website so there is a benchmark for when the 30-day investigation timeline begins.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records).
Equifax Information Service
Attn: Disputes
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
www.equifax.com
Experian
Attn: NCAC
P.O. Box 2104
Allen, TX 75013
888-397-3742
www.experian.com
TransUnion Corporation
Attn: Disputes
P.O. Box 390
Springfield, PA 19064
800-916-8800
www.transunion.com
For more information, including information about additional rights, go to:
or write to:
Consumer Response Center
Federal Trade Commission
600 Pennsylvania Ave. N.W., Room 130-A
Washington, D.C. 20580