Can I Dispute Information Without Getting a Report from Experian?

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Dear Experian,

I have recently obtained my credit report from my bank and do not need one from Experian. How can I go about disputing an incorrect item on my credit report without receiving an additional report from Experian?


Dear SLG,

You do not need a copy of your Experian report in order to dispute information, although having an Experian credit report may make the process easier by ensuring that the information you see appears in the same order and format as it does for Experian's representatives. Getting a fresh report also ensures that the information in the report is current, which makes the dispute process smoother.

How Can I Dispute Information on my Credit Report?

There are three ways in which you can dispute inaccurate information on your credit report. The first is by submitting your disputes and uploading any documentation at

If you have a current consumer report, directly from Experian, you can simply enter your report number and begin the process. If you do not have a credit report from Experian, we will provide one free. Just enter the information requested.

Submitting your disputes online can be the fastest, easiest and safest method, but you can also dispute information by telephone or by mailing your request to Experian.

For detailed information and tips for disputing, see How to Dispute Credit Report Information.

Thanks for asking.
The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through December 31, 2022 at AnnualCreditReport.