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Credit bureau dispute addresses

Where to mail a dispute — and why putting it in writing protects your rights in a way the online forms may not.

Dispute by mail, not online. We provide the agencies’ websites below, but we recommend you not use them to file a dispute. Information you submit online may not be admissible in court and may not be retrievable later. We also understand that some sites require you to agree to binding mandatory arbitration — which can mean giving up your right to have a judge or jury hear your case.

Send every dispute by U.S. Mail, certified, return receipt requested. That gives you proof you sent it and proof they received it. Keep a copy of everything you mail. The file the agency sends back is usually admissible — it’s just hard to read, and we’re glad to help you make sense of it during a free consultation.

Nationwide credit reporting agencies

Equifax Information Services

1550 Peachtree Rd. NW
Atlanta, GA 30309-2468

Experian Information Solutions

701 Experian Pkwy
Allen, TX 75013-3715

TransUnion, LLC

P.O. Box 1000
Chester, PA 19016
or 555 W. Adams, 1st Floor
Chicago, IL 60661-3631

Specialty reporting agencies

Credit cards aren’t the only place errors live. Check-acceptance, medical, and deposit-account databases keep files on you too — and you can dispute those the same way.

Certegy Check Services

P.O. Box 908
Grand Junction, CO 81502
  • 800-770-3792
  • 800-262-7771

TeleCheck Services

1600 Terrell Mill Rd SE
Marietta, GA 30067
  • 800-366-2425 — declined checks
  • 800-710-9898 — fraud / ID theft

Chex Systems, Inc.

P.O. Box 583399
Minneapolis, MN 55458
  • 602-659-2197 (fax)

Medical Information Bureau (MIB)

50 Braintree Hill Park, Suite 400
Westwood, MA 02184-8734

It is very important to communicate with them in writing. Send the dispute by certified mail, return receipt requested, and keep a copy of what you sent. If the agency doesn’t correct a genuine error after a proper dispute, you may have a claim under the Fair Credit Reporting Act — and we’d like to hear about it.

Addresses and phone numbers change over time. Confirm the current mailing address on the agency’s own site before you send anything important.