Equifax Dispute Address: Where to Mail a Dispute to Equifax

The Equifax dispute mailing address

This is the recipient string printed on Equifax's Dispute Request Form, the document Equifax's Contact Us page tells consumers to print and mail. Equifax's mail-in dispute help article prints the same P.O. Box with the ZIP+4 30374-0256; either reaches the same box.

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374

Why some pages print Atlanta, GA 30348

The FTC's dispute article and a 2021 CFPB handout print P.O. Box 740256 with ZIP 30348. Equifax's own form, its help articles, its consumer statement instructions and the CFPB's 2016 sample letter all print 30374. The 30348 prefix is the one Equifax uses for its fraud alert and security freeze boxes, for example P.O. Box 105069, Atlanta, GA 30348-5069, which is for fraud alert forms only. This page follows Equifax's own dispute form. If you are unsure, the address printed on your Equifax credit report governs your file.

Dispute with Equifax online or by phone instead

Online: Equifax's dispute page directs you to the dispute center inside a free myEquifax account, where you click File A Dispute. Equifax's page says you receive a 10-digit confirmation code for future reference and that, within 30 days of the request, it will notify you of the outcome of its investigation. The shorter URL equifax.com/personal/disputes redirects to the same page.

Phone: Equifax's mail-in dispute article lists 1-888-Equifax, which is 1-888-378-4329, available 9:00 am to 9:00 pm ET Monday through Friday and 9:00 am to 6:00 pm ET Saturday and Sunday. A second Equifax number, (866) 349-5191, appears on Equifax's consumer statement article with the same hours and is the number the CFPB and FTC list for Equifax disputes. Both are current Equifax lines.

Whichever route you use, Equifax does not charge for a dispute. Mail is the route that lets you enclose documents and keep a dated delivery record.

What to include, per Equifax's form

Equifax's Dispute Request Form asks for the following. Its separate documentation article says the same two-document rule applies to any written request about your Equifax file, whether a dispute, a fraud alert, a security freeze or a report copy.

• Your full name, current address, any former addresses, Social Security number and date of birth.
• Each item you are disputing, identified as the report shows it, with the reason you believe it is inaccurate or incomplete.
• A copy of one proof of identity that shows your Social Security number: Equifax lists a Social Security card, a pay stub with the number, or a W-2 or 1099 form.
• A copy of one proof of address that shows your current mailing address: Equifax lists a driver's license or state ID, a rental lease or house deed, a pay stub with your address, or a utility or phone bill.
• Copies only. Equifax asks for copies, not originals.
• If the item resulted from identity theft, check the fraud and identity theft box and include a copy of a police report, an FTC Identity Theft Report or a fraud affidavit if you have one.

• Proof of identity
• Proof of address
• Credit dispute letter templates

Identity theft disputes and Section 605B blocks at Equifax

Equifax publishes no separate mailing address for FCRA Section 605B block requests. Its dispute form routes identity theft disputes to the same P.O. Box 740256 through the fraud checkbox, and its FCRA identity theft rights article restates the statute: you must identify the information to block and provide proof of your identity and a copy of your identity theft report. Equifax's P.O. Box 105069 in Atlanta is for fraud alert forms only.

Under FCRA Section 605B, a bureau must block information you identify as resulting from identity theft within 4 business days of receiving a complete request. A complete request contains four elements: appropriate proof of your identity, a copy of an identity theft report, identification of the specific information, and a statement that the information does not relate to any transaction of yours. Equifax may decline to block, or may later rescind a block, in the circumstances the statute lists. This route applies only to information that actually resulted from identity theft; an ordinary error belongs in a Section 611 dispute.

• FCRA 605B Guide
• Identity Theft Dispute Packet
• Sample 605B block letter

How the FCRA Section 611 timeline applies to an Equifax dispute

Equifax's mail-in help article says most dispute investigations are completed in 30 days, and its online dispute page says it notifies you of the outcome within 30 days of your request. The federal deadlines behind those statements come from 15 U.S.C. § 1681i and § 1681j.

In short: under FCRA Section 611 the bureau must complete a reasonable reinvestigation within 30 days of receiving your dispute, forward it to the furnisher within 5 business days, and send written results not later than 5 business days after it finishes. The 30 days can extend by up to 15 days if you send more relevant information during the window, and Section 612 allows up to 45 days when the dispute follows a free annual report. A bureau may decline a dispute it reasonably determines is frivolous or irrelevant and must tell you so within 5 business days of that determination. The hub page walks through each of these windows with its subsection citation.

• Section 611 timeline, step by step
• Bureau response timeline

Certified mail to Equifax

Equifax does not require any particular mailing method. The CFPB and FTC suggest certified mail with a return receipt so you have a dated record that Equifax received your dispute; that date is when the Section 611 window opens. Keep a copy of the completed form and every enclosure, and keep any confirmation number Equifax gives you; its consumer statement instructions ask for the confirmation number from your dispute.

• Certified mail for credit disputes

After Equifax sends its results

If you disagree with the result, Equifax's help article says you may request that a consumer statement be added to your Equifax credit report, mailed to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256 with a cover sheet listing your full name, current address, date of birth and the confirmation number from your dispute, or requested by phone at 1-888-378-4329. One Equifax article describes the statement as 100 words or less and another as up to 475 characters; FCRA Section 611(b) allows a bureau to limit statements to 100 words if it helps you write one.

If you believe Equifax did not follow the reinvestigation procedure, you can submit a complaint to the CFPB, which forwards it to Equifax for a response.

• CFPB complaint after denial

Sources

Every address, phone number, URL and deadline above was checked against the official page listed here on 2026-09-03. Bureaus move mailboxes and change hours without notice; the address printed on your own credit report is the most current one for your file.

1. Equifax Dispute Request Form (PDF) (checked 2026-09-03)
2. Equifax help article: How do I dispute information on my Equifax credit report by mail? (checked 2026-09-03)
3. Equifax: Dispute information on your credit report (myEquifax dispute center) (checked 2026-09-03)
4. Equifax help article: Documentation to validate ID and address (checked 2026-09-03)
5. Equifax help article: Your rights under the FCRA as an identity theft victim (checked 2026-09-03)
6. Equifax help article: Steps after receiving dispute investigation results (checked 2026-09-03)
7. Equifax help article: Adding a consumer statement to your Equifax credit report (checked 2026-09-03)
8. CFPB: How do I dispute an error on my credit report? (checked 2026-09-03)
9. CFPB: How long does it take to resolve an error on a credit report? (checked 2026-09-03)
10. CFPB: Credit reporting sample dispute letter, September 2016 (PDF) (checked 2026-09-03)
11. CFPB: Disputing errors on your credit reports handout, August 2021 (PDF) (checked 2026-09-03)
12. FTC: Disputing errors on your credit reports (checked 2026-09-03)
13. FTC: Fixing your credit FAQs (accurate information cannot be removed) (checked 2026-09-03)
14. FCRA Section 611, 15 U.S.C. § 1681i (reinvestigation procedure and timelines) (checked 2026-09-03)
15. FCRA Section 612, 15 U.S.C. § 1681j (45-day window after a free annual report) (checked 2026-09-03)
16. FCRA Section 605B, 15 U.S.C. § 1681c-2 (identity theft block) (checked 2026-09-03)