How to Report Claims to Equifax

The Fair Trade Commission advises consumers to dispute inaccurate or incomplete information found in their credit records. Under the provisions of the Fair Credit Reporting Act, any inaccuracies must be corrected by the credit bureau that is reporting the information. Equifax is one of the major credit bureaus in the United States. Equifax has a formal process for consumers to report claims of inaccuracy or incompleteness in their credit files.

Instructions

1

Order a copy of your credit report. Equifax is compelled by law to provide one free copy of a consumer's credit report every 12 months in accordance with the Fair and Accurate Transaction Act. The credit report can be requested online (annualcreditreport.com), by telephone (877-322-8228) or by mail (Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281).

2

Compose a list of the exact information that you want to report or claim as inaccurate to Equifax, using exact descriptions found in the credit report. Check the credit report for inaccurate or incomplete information regarding credit card or other credit accounts, bankruptcies, collections, liens, judgments, inquiries about credit history, and personal identity. Keep this list as a reference when contacting Equifax to report your claim.

3




Equifax accepts claims regarding inaccurate credit files online, by phone, or by mail.

Contact Equifax and specify each of the inaccurate items you have placed on your list. Equifax provides three ways to report and dispute the inaccuracies in your credit report. Consumers may file complaints online (Equifax.com), by phone at the telephone number provided in the credit report, or by mail (Equifax Information Services, LLC, P.O. Box 740256, Atlanta,GA 30374).