Equifax dispute address for mailing a credit report dispute

The Equifax dispute address for a credit report dispute sent by mail is Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256. We copied it from Equifax's help article How do I correct or dispute inaccuracies on my credit reports by mail? and checked it against the address printed on Equifax's own Dispute Request Form on 13 Nov 2026.

Sending a dispute does not mean the item will be changed or removed. Equifax also takes disputes online through myEquifax and by phone at 1-888-378-4329. Mail is one of the routes, and many people choose it because it leaves a paper record.

Why you see more than one ZIP code for this box

Search for this address and you will find three versions of the last line:

Source	Last line as printed	Read on
Equifax help article on mailed disputes	Atlanta, GA 30374-0256	13 Nov 2026
Equifax Dispute Request Form (PDF)	Atlanta, GA 30374	13 Nov 2026
FTC, Disputing Errors on Your Credit Reports (April 2024)	Atlanta, GA 30348	13 Nov 2026

All three give the same P.O. Box 740256. The first two are the same ZIP with and without the four-digit add-on. The FTC page differs. This page uses the ZIP+4 that Equifax publishes for the box. Older addresses still circulate on forums and in blog posts, so check the date of anything you copy an address from.

What Equifax asks you to put in the envelope

The Dispute Request Form is the clearest statement of what Equifax wants with a mailed dispute:

• Who you are. Full name, current and former address, Social Security number and date of birth.
• A copy of one proof of identity. The form lists a Social Security card, a pay stub with your Social Security number, or a W-2 or 1099 form, and says the item must show your SSN.
• A copy of one proof of address. A driver's license or state ID card, a rental lease or house deed, a pay stub with your address, or a utility or phone bill. It must show your current mailing address.
• Each item you dispute. Company name, account number or inquiry date, a reason, and the details. The form has check boxes for reasons such as "Account Not Mine," "Account Paid in Full," "Mixed with Another Person" and "Last payment date/Closed Date Incorrect," plus an "Other" line where you explain.
• Supporting documents, if you have them. An account statement or a payment confirmation, for example. The form notes that anything you send "will be shared with the companies with which the dispute is being made."
• A box for fraud. If you suspect identity theft, the form asks you to tick it and include a copy of a police report, an FTC Identity Theft Report or an affidavit of fraud if you have one.

Two practical lines from the form: enlarge copies of anything with small print, and know that copies "that are not legible or contain highlighting" may lead Equifax to ask you to send the request again.

What the CFPB says a dispute letter should say

You do not have to use the form. The CFPB's page How do I dispute an error on my credit report? (last reviewed 2 Sep 2026) describes a letter with:

• your complete name, address and telephone number,
• each error, with a clear reason why you dispute it,
• a copy of the relevant page of your report "with the disputed items circled or highlighted,"
• "Copies (not originals) of documents that support your position."

The CFPB tells you to keep copies of the letter and everything sent with it. Mark the errors on the copy of your report, and keep the ID copies clean, since that is where Equifax's warning about highlighting applies.

The clock: what the law requires after Equifax gets your letter

The deadlines are in section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i:

Step	Time limit	Where
Bureau tells the company that supplied the item about your dispute	5 business days from receiving the dispute	1681i(a)(2)
Bureau finishes its reinvestigation	Before the end of the 30-day period that starts on the date it receives your dispute	1681i(a)(1)(A)
Extension if you send more relevant information during the 30 days	Up to 15 more days	1681i(a)(1)(B)
Written notice of the results to you	5 business days after the reinvestigation is finished	1681i(a)(6)
Notice if the bureau treats the dispute as frivolous or irrelevant	5 business days after that decision, with its reasons	1681i(a)(3)

The 30-day period runs from the day the bureau receives the dispute, not the day you mail it. Equifax's own page adds: "Most dispute investigations are completed in 30 days," and says that if you disputed by mail, it sends the results by U.S. mail.

If the reinvestigation does not settle the matter, the statute lets you file a brief statement of the dispute. The bureau may limit it to one hundred words if it helps you write a clear summary, and must then note the dispute in later reports that contain the item.

Why people send disputes by certified mail

Because the periods start on receipt, the date Equifax got the envelope is the date that counts. The CFPB says you can send the dispute by certified mail and "ask for a return receipt" so you have a record that it was received. The FTC says the same and adds to keep copies of everything you send.

At a post office the Certified Mail fee is $5.55 and an electronic return receipt is $2.91, plus postage (USPS Notice 123, price list effective 4 Oct 2026, read 13 Nov 2026).

Sending it with Certisent

You can mail the dispute from this page. The button puts the Equifax address above on the envelope.

• Put everything in one PDF: your letter or the completed Dispute Request Form first, then the copies Equifax asks for (one proof of identity, one proof of address and any supporting documents).
• Upload that PDF. Those copies pass through our system to be printed, so decide whether you are comfortable uploading them. If you are not, the post office counter is the other way to get the same Certified Mail service.
• Check the preview and pay $14.99. We print the pages and hand them to USPS as Certified Mail.
• Keep the tracking number, the proof of mailing and the electronic return receipt with your copy of the letter.

We cannot promise a delivery date. We are not a credit repair organization. You pay for mailing a letter, nothing else, and what the letter says is up to you.

Other things worth knowing before you mail it

• Each bureau keeps its own file. A dispute sent to Equifax covers your Equifax report. If the same error is on your Experian or TransUnion report, those companies take their own disputes. Equifax's help article says so and links to both.
• You can also write to the company that reported the item. The CFPB says to send disputes to furnishers in writing, and that furnishers generally must investigate and respond within 30 days of receiving the dispute.
• This box is for disputes. Equifax uses other P.O. boxes for other requests. Its fraud alert page, for example, lists P.O. Box 740123, Atlanta, GA 30374-0123 for opting out of prescreened offers. Take the address for a freeze or a fraud alert from the Equifax form for that request.