Equifax Dispute: Online, Mail, or by Phone?

Until you dispute an error on your credit report to the Equifax and the other agencies, the law is not fully on your side. BUT... If your Equifax dispute fails, you may be entitled to force them to correct the problem, pay your attorney and you damages under the Fair Credit Reporting Act. Get the advantage by knowing how to treat Equifax.

DISPUTE EQUIFAX CREDIT  PIC

Use Our Template to Dispute at the Bottom of the Page

3 Steps to Dispute Equifax Credit Reports in 2020

1

Find Error on Your Report

Find the error or inaccuracy. It must be wrong or misleading.

2

Dispute with Credit Agencies

Dispute with credit agencies such as Equifax, Experian, and Trans Union. A template is included in this article below.

3

It's Fixed or You Sue

If they don't fix it, then you may be entitled to damages and can bring a lawsuit in many circumstances.

 Step 1:

Find Errors on Your Equifax Credit Report  

You are going to need to pull your credit reports to see what is going on. Luckily, it's easy to do. 


#1 Top Place to Get Your Report (The Best Place):

The best place is annualcreditreport.com, and it's a free service.


#2 Top Place to Get Your Report:

Directly from Equifax by mail. The mailing address is Equifax Information Services LLC, 1550 Peachtree Street Northeast, Atlanta, GA 30309.


#3 Place to Get Your Report (The Worst Place):

All other places will force you into arbitration or not give you your ACTUAL report. These include all of the free services like creditkarma.com AND directly from the Equifax website. DO NOT GET YOUR REPORT FROM THIS SOURCE UNLESS YOU WANT TO LIMIT YOUR RIGHTS TO A CLEAN REPORT


When you have your Equifax report, you are ready for the next step.


 Step 2:

FIND AN ERROR TO DISPUTE

( HERE ARE THE TOP 6 CREDIT REPORTING ERRORS TO FIND)

1.Wrong Payment History

That's basically when the credit reporting agency is saying that you've missed some payments, and you didn't miss the payments. It happens a lot, and it can crush your Equifax score. 


For example: Let's say you have a mortgage with Chase. You see your credit report and it says you have missed 3 payments. But, you know you made the payments. 

2. Accounts that you've already paid off, but they are still reporting a balance

This happens a lot when you've paid off an account but, the credit reporting agency is still showing a balance that you owe on an old account. 


Example: You buy a TV on store card that reports to Equifax. You finally paid it off. However, you start getting calls and voicemails. To make matters worse, they start credit reporting to Equifax on you. You need to challenge your Equifax credit reporting to get this corrected. 

3. Accounts that are older than seven-plus years

Seven years is correct if it's a normal account, and ten years if it's like a judgment or a court issue, like bankruptcy. You will want to mail a basic letter to Equifax.


For example: Let's say you have a Credit One credit card reporting to Equifax and you stopped paying in January 2010. This information should come off of your Equifax credit report in 2017.

4. Accounts that are not yours and identity theft.

Accounts that are not yours and identity theft. They're both accounts that are not yours. For more information on hiring an identity theft attorney in Atlanta.


For example: You go to buy a house with your wife but are denied from an Equifax pull. What you didn't know is that someone opened and accusation under your name. You need to challenge your Equifax credit reporting to get this corrected.

5. Accounts that are another persons or Mixed Credit Files

What if your credit report has another person's information on it? This is called a "mixed credit file" or "merged credit file". These types of cases need the help of a consumer attorney because of the potential value and difficulty of the case.


For example:

You see a family member's or a stranger's accounts on your report.

6. Marked You as Deceased on Your Credit Report

What if your credit report says you are dead? Seriously. We can help. If you want more info on this, check out this article called Your Credit Report Says Your Deceased?


For example:

Your report says you no longer live on Earth.

 Step 3:

TIME TO DISPUTE - IN WRITING


CREDIT DISPUTE LETTER TO EQUIFAX

[DATE]


Equifax Information Services LLC.

P.O. Box 740256

Atlanta, GA 30374



[YOUR FULL NAME]

[YOUR FULL ADDRESS]

[DATE OF BIRTH]

[LAST 4 OF SOCIAL]



Dear Equifax,

         

I looked at my report and this [NAME OF ACCOUNT] account with a balance of approximately $[BALANCE], and account number [ACCOUNT NUMBER] is not accurate. 


OPTION #1 [USE THIS FOR IDENTITY THEFT: I do not recognize this account and do not owe any money on it. Please take it off of my credit report immediately.  I included a police report (or identity theft affidavit) and a copy of driver’s license. If for some reason, you do not get both of the these, contact me and I will resend.]


OPTION #2 [USE THIS FOR ALREADY PAID OFF ACCOUNTS:] I already paid off this account and do not owe any money on it. Please take it off of my credit report immediately.]


OPTION #3 [USE THIS FOR ACCOUNTS AFTER BANKRUPTCY WITH A BALANCE:] I filed for bankruptcy. This account should show a zero balance. Please correct this information immediately.]


OPTION #4 [USE THIS FOR MISSED PAYMENTS WHEN ACTUALLY MADE:] I made all of my payments on this account and was not late as they report. Please correct this information immediately.] [INCLUDE ANY CLEARED CHECKS OR INFORMATION YOU HAVE TO SHOW YOU ARE CORRECT FOR BEST RESULTS]


OPTION #5 [USE THIS FOR MISSED PAYMENTS WHEN ACTUALLY NOT ALLOWED TO BE MADE: I tried to make all of my payments on this account but they would not accept them. Please correct this information immediately.] [INCLUDE ANY CLEARED CHECKS OR INFORMATION YOU HAVE TO SHOW YOU ARE CORRECT FOR BEST RESULTS]


Please send all of this to the furnisher of this incorrect account. Have a nice day.

[NAME]



Enclosures:

Police Report (or Identity Theft Affidavit)

Copy of driver’s license

 Step 4:

REVIEW THE RESULTS/STATUS OF YOUR EQUIFAX DISPUTE

If the error is not corrected, then you may have a claim for damages against Equifax and anyone else false credit reporting on you.


Common Questions & Answers About Equifax 

How do I contact Equifax by phone? 

Contact Equifax by phone you should call 888-548-7878 this number was obtained from Equifax's website. We never recommend calling Equifax directly. There will be very little record of what happened. You will always want a proper paper trail for any Communications with Equifax or it's almost like it never happened.


Is Equifax legit? 

This is a question I say asked all the time. Is Equifax a legitimate company or is it a scam? Equifax is very much a legitimate company. Although they may make mistakes, they do pay for those mistakes in litigation and settlements. Equifax is a real business and not part of the government.

How do I dispute a hard inquiry on my Equifax credit report? 

If you find a hard inquiry on your credit report that you did not authorize, you should dispute it by writing a simple letter to Equifax and point out exactly which account or inquiry you did not authorize.


It is best to send certified mail with return receipt. This way you have proof that you sent the letter to Equifax, and Equifax received your dispute. If you don't dispute Equifax by certified mail, just be prepared to dispute multiple times until the acknowledge receiving your dispute.


How do I dispute my credit with all three bureaus? 

You can send the same letter and supporting documents teach the three credit reporting agencies. Just make sure to include the name of each in the letter that you are sending. If the error remains on your credit report, you may have a claim for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

How long does Equifax take to dispute?

The law requires Equifax to complete this investigation within 30 days. In practice, you will normally get a response within two weeks from Equifax. During this time of the Corona virus, be prepared for a longer wait period.

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Topics to be covered in future articles

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