Instructions for Disputing by Mail

ECS - Accounts Page

Experian's mailing address for dispute requests is:

P.O. Box 4500
Allen, TX 75013

You can submit your dispute and any supporting documents more quickly at experian.com/upload.

In order to help you to submit an accurate request, you may find it useful to first obtain your personal Experian credit report.

Download printable form for disputing by mail

Please include all of the following when requesting your dispute:

  • Your full name including middle initial (and generation such as JR, SR, II, III)
  • Your date of birth
  • Your Social Security number (if you have never been issued a social security number, please note that in your request)
  • All addresses where you have lived during the past two years
  • One copy of a government issued identification card, such as a driver's license or state ID card, etc.
  • One copy of a utility bill, bank or insurance statement, etc.
  • List each item on your report that you believe is inaccurate, the account number and the specific reason you feel the information is incorrect.
  • There is no charge for submitting a dispute.

Send your completed dispute information to the address above. Only include copies and do not send original documentation. Experian cannot return copies from your mailed request.

What happens next?

  • Once we receive your request, we will contact the furnisher of the information or the vendor who collected the information from a public record source (such as a court or other government office).
  • When we complete our dispute process, which may take up to 30 days, we will send you the results.
  • Check the status of your dispute.

Dispute Online

Disputing Online is the Quick, Easy Alternative. Just answer a couple questions and we'll help you get started.

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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 April 2022 at AnnualCreditReport.