Under Washington law, we must convey your dispute to the source of the information within five business days after receiving your request for investigation. If we determine that the request is frivolous or irrelevant as defined by the Fair Credit Reporting Act, we will notify you within five business days of the reasons for our decision. The results of our investigation will be sent to you within five business days after the investigation is complete. If you request, we will provide you with the company name, address and telephone number of any person contacted during the investigation. If you believe that a law regulating consumer credit reporting has been violated, you may file a complaint with the Washington State Attorney General's Office, Consumer Protection Division, 800 5th Ave. Suite 2000, Seattle, WA. 98104-3188, 1 800 551 4636, http://www.atg.wa.gov/FileAComplaint.aspx.
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.