Addresses table (confirm current addresses before mailing)
| Bureau | Mailing Address |
|---|---|
| Experian | P.O. Box 4500, Allen, TX 75013 |
| Equifax | P.O. Box 740256, Atlanta, GA 30374‑0256 |
| TransUnion | P.O. Box 2000, Chester, PA 19016 |
Last verified: 28 Sep 2026. Addresses can change; confirm on the bureau website before mailing. Download addresses CSV.
Alternative Contact Methods (Fax, Phone & Email)
While certified mail is the gold standard for tracking your dispute, you can also contact the bureaus by phone or fax for specific issues. Here are some commonly used contact methods:
- Equifax: The Equifax credit dispute fax number is 1-888-826-0597. You can also reach them by phone at 1-866-349-5191.
- Experian: Experian does not publicly advertise a fax number for general consumer disputes. You can call them at 1-888-397-3742.
- TransUnion: TransUnion also restricts fax disputes. Their general customer service phone number is 1-800-916-8800.
For sensitive documents or formal legal demands, always rely on certified mail rather than fax or phone.
Do the bureaus accept disputes by email?
No. For security and identity-verification reasons, none of the three major bureaus accept dispute submissions to a public email address. Instead, each operates a secure online portal that functions as their "email equivalent" for consumers who don't want to mail a letter:
- Experian: experian.com/disputes
- Equifax: equifax.com/personal/credit-report-services/credit-dispute
- TransUnion: transunion.com/credit-disputes
Be cautious of any address claiming to be an official bureau dispute inbox — the bureaus' own guidance is to use certified mail or their verified online portal, not open email, for anything containing personal or financial information.
How to dispute an address on my credit report
A common reason consumers contact the bureaus is to update or remove inaccurate personal information, such as old or incorrect addresses. Knowing how to dispute an address on your credit report is essential because incorrect addresses can be linked to fraudulent accounts or mixed files.
To remove an inaccurate address:
- Call the credit bureau or send a simple written request stating that the address in question is inaccurate or belongs to someone else.
- Provide a copy of your current utility bill and driver's license to prove your true residence.
- Do not use complex legal jargon for a simple address dispute; a straightforward request to remove the incorrect address is usually sufficient.
It is highly recommended to clean up your personal information (including old addresses and name variations) before sending disputes for collections or charge-offs, as it makes verifying those negative accounts more difficult for the bureaus.
Read our full guide on disputing an address on your credit report, including how address errors can be tied to identity theft.
Bureau vs. furnisher: when to mail whom
Dispute inaccuracies with each bureau that reports the error. You may also send a direct dispute to the furnisher (the company that reported the data). Include copies of your evidence and keep your message short and factual.
Certified mail and record‑keeping
Certified mail gives you proof of delivery and a tracking number. Keep a copy of what you sent and your receipts. Organized records make follow‑ups and escalations easier.