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How Do I Dispute Information on My Credit Report?

Written by Diane Moogalian on November 25, 2013 in Credit  |   20 comments

If one of your New Year’s resolutions is to make positive changes to your credit file, be aware that any inaccurate information in your credit report could hold you back. Erroneous information in your credit report —whether it’s the result of fraud or a creditor…

information on my credit reportIf one of your New Year’s resolutions is to make positive changes to your credit file, be aware that any inaccurate information in your credit report could hold you back.

Erroneous information in your credit report —whether it’s the result of fraud or a creditor incorrectly reporting your account as delinquent—could negatively impact your credit score and affect your ability to open new loans or lines of credit.

To ensure that all of your information is accurate and up to date, request a copy of your credit report online at annualcreditreport.com. Every year you can order one free copy of your credit report from each of the three national credit reporting agencies.

It’s also a good idea to comb through your credit report before you apply for new credit. That way, you can dispute any inaccuracies before a lender evaluates your file.

How to review your credit report

As you review your credit report, check to make sure that:

1. Your personal information, such as your name and address, is correct.

2. All of your credit accounts are listed.

3. Your payment history is correct for each of your accounts.

4. The balances and account ages (dates opened) are correct for each of your accounts.

5. All negative information, such as bankruptcies, liens, or judgments, has fallen off of your credit report after the appropriate amount of time has elapsed.

6. All inquiries listed in your credit report are familiar to you.

7. Any inactive accounts do not show new, unfamiliar activity.

How to dispute information in your credit report

If you do spot an error in your credit report, contact the associated credit reporting agency to initiate a dispute, free of charge. At Equifax, you can file a dispute online, by mail, or by phone. If you find an inaccuracy with one credit reporting agency, consider ordering your credit report from the other two to see if their files contain the same error.

After you’ve corrected an error with one credit reporting agency, the other two agencies should eventually receive the corrected information. In order to have the information corrected as quickly as possible, though, consider contacting the other two agencies directly to dispute the error.

What to do after you file a dispute

The credit reporting agencies are legally required to investigate your dispute within 30 days of its filing.

Before the time frame has elapsed, the credit reporting agency will notify you of the outcome of your dispute. If you initially filed your dispute by mail, your notification will be mailed to you. If you filed your dispute online, you can receive email updates throughout the investigation.

Based on the investigation, the credit reporting agency will either update the current status of the disputed information or delete the item from your file. Keep in mind that even if you dispute the information, your creditors may say that the information they’ve reported is correct.

If the creditor verifies that your disputed information is correct, it will remain on your credit report. However, you can add a statement of explanation to briefly explain the nature of your dispute. Your statement of explanation will become part of your credit file and will be included each time your credit report is accessed.

To ensure that the information on your credit report remains accurate and up to date, regularly monitor it going forward. Remember that the credit reporting agencies do not create the information in your report. Instead, they report the information that has been provided to them by creditors.

Diane Moogalian is vice president of operations for Equifax Personal Solutions with responsibility for operational strategy and execution in support of customer care and fulfillment of credit and identity-related products for consumers. Prior to joining Equifax in 2007, Diane held several strategic roles with leading financial services companies. Diane graduated from the University of Richmond with a bachelor of science degree in business administration (marketing and economics) and earned a certificate in international business from Virginia Commonwealth University.

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Gene Cooper says:

    Will be calling the dispute department 11/29/2013 at am pst, as regards to an error Equifax has made in my report. I used the title of my 2006 SUV as collateral for a loan from my credit union, they state that the report so stated such. The report by Equifax says otherwise. Gene Cooper

  2. Gene C. says:

    The word used in my credit report regarding my loan and collateral is “Unsecured”. I issued my owners certificate for a cash loan thousands of dollars less than the value of my SUV Explorer.

  3. EARL says:

    Do you by chance have the Fax Number for the 3 Credit Reporting Agencies,



  4. CHAS says:


  5. Bruce says:

    I have been trying to get my address update with Equifax for two years. What am I missing in the process to get this done? I have called several times and been told I need to submit proof of residency (Electric bill, bank statement, etc). I have provided the information 4 times yet my Equifax report still reflect a address I have not lived at in 2 years. Went as far as hiring a credit repair agency that was able to fix issues with my Experian and Transunion reports but nothing from Equifax?

    Please educate me on your process that works to get information corrected. Your dispute resolution method is not working for me.

    • EFX Moderator says:

      Bruce, We would like to help you address your matter. Please submit your matter/inquiry, along with your legal name, city/state and email address used for EFX registration, to equifaxsupport@facebook.com so that a Customer Support agent can respond to you directly.

  6. Crystal says:

    My investigation stated that the balance has been updated does that mean that they did not fine error and that it will remain on my credit report

  7. Tony says:

    I received a letter from a debt collector saying they would have the credit agencie take the bad debt they bought from ATT off my credit report, uploaded the letter to Equifax, there investigated it, send me an email saying there investigation claimed. in return, Equifax send me an email saying the debt is mine. looking past the letter of the debt collector saying they would have it removed from credit report. also, I gave the same letter to other credit agencies and they removed it from my credit report. Can anyone help me.

    • EFX Moderator says:

      Tony, We would like to help you address your matter. Please submit your matter/inquiry, along with your legal name, city/state & email address used for EFX registration, to equifaxsupport@facebook.com so that a Customer Support agent can respond to you directly.

  8. Micheal says:

    My California State Tax Lien has been paid and is still reporting as unpaid. What should I do about this. I already went the county recorder and paid for a copy of the recorded lien release.

  9. Craig says:

    I have attempted on several occasions over the last few weeks to submit a dispute via the Online Dispute Center. I get all the way to the end of the form, submit, and I’m told that the Online Dispute Center is not available at this time. Please let me know another method in which to submit my dispute to Equifax.

    • EFX Moderator says:

      Craig, We would like to help you address your matter. Please submit your matter/inquiry, along with your legal name, city/state & email address used for registration, to equifaxsupport@facebook.com so that a Customer Support agent can respond to you directly.

      • Lexi says:

        These are great tips! I had no idea about any of them, to be quite honest (especially that not every card will help to build crdiet). Useful information for small business owners as well (which bloggers turn into sometimes). Thanks!

        • EFX Moderator says:

          Hi Lexi,
          Thanks for the comment. Glad the information was useful to you. Best of luck in your financial future.

  10. jeff says:

    I have a debtor on my report that has changed names there was a judgment against me and my wife can I dispute it and get it removed based on the name change.to me its like they went out of business.

  11. Mary says:

    I submitted an online dispute and was assigned a confirmation #. I received an email saying I could view the outcome online using the number. When I go online it only says, No Active Dispute at This Time. So what was the outcome? How do I know if it has been removed?? The online system is frustrating. I can’t reach a real person to even discuss this.

    • EFX Moderator says:

      Mary, we would like to help you address your matter. Please submit your matter/inquiry, along with your legal name, city/state, & email address used for EFX registration, to equifaxsupport@facebook.com so that a Customer Support agent can respond to you directly.

  12. Pamela says:

    I have received a bill from a collection agency for a bill that I do not owe. I have made several attempts to contact them in the state in which I live in and also what is listed on the letter head of the bill, only to no avail. I keep getting routed to either the Philippines or to Costa Rica. This collection agency states I owe money for a Verizon bill, when I contacted Verizon regarding this, Verizon stated I do not owe then anything, and that they(Verizon)have nothing on file showing a bill nor do they have anything on file showing that Verizon turned me into collection. I would like to know how to stop this credit agency from ruining my credit with this error. I am not going to send them money for something I do not owe. Thank you very much for any help regarding this matter.

  13. ARIEL says:


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