Equifax is one of the big-three nationwide consumer reporting agencies. Under the FCRA it must reinvestigate disputed items within 30 days and delete anything it cannot verify. Mailing your dispute by certified mail creates the proof of delivery that starts and documents the 30-day clock.
Equifax consumer dispute address
What Equifax keeps on file
Equifax is one of the three nationwide credit bureaus. It maintains your full consumer credit file — accounts, balances, payment history, collections, public records, and inquiries — and sells it to lenders as a credit report and score.
How to dispute with Equifax (step by step)
- Get your report so you can cite the exact item, account number, and reason it is wrong.
- Write a dispute letter identifying each inaccurate item and the specific inaccuracy (wrong balance, not mine, re-aged date, duplicate, etc.).
- Attach proof of identity (ID + proof of address) and any documents that support your dispute.
- Mail it certified with return receipt to the address above so you have proof of delivery.
- Track the 30-day clock from the delivery date — Equifax must reinvestigate and respond, and delete anything it cannot verify.
Should you dispute by mail or online?
Online is faster, but a mailed, certified dispute creates a paper trail and legal proof of delivery that online submissions often lack. That evidence matters if Equifax misses the 30-day FCRA deadline or verifies an item without a real investigation — it is the foundation for a method-of-verification demand or a CFPB complaint. Serious dispute strategies default to certified mail for this reason.
If Equifax verifies the item anyway
- Request the method of verification — ask exactly how the item was confirmed and who they contacted.
- Dispute directly with the data furnisher (the creditor or collector that reported it).
- File a CFPB complaint against Equifax with your paper trail attached — this routes to a documented response and often triggers a more thorough re-investigation.
Know your rights
Let 850ai do it for you
850ai reads all three bureau reports, flags what is inaccurate or unverifiable, and generates the right dispute letter addressed to Equifax. You review it and click send; 850ai mails it, tracks the 30-day clock, and prepares the escalation if the item comes back "verified." Start free and see what it finds first.