How Do I Get the Equifax Dispute Form?

Access the Equifax dispute form online through the company's secure portal. Log in at the Equifax online dispute portal, upload your supporting documents, and submit the request in minutes.

1. Create or sign into your Equifax account using your Social Security number, date of birth, and current address.
2. Navigate to the 'Dispute a Credit Report Item' section; the link appears on the dashboard or under 'Credit Report Services.'
3. Select the account or entry you want to challenge, then choose the reason (e.g., inaccurate balance, unauthorized inquiry).
4. Attach any proof - billing statements, court documents, or identity‑theft reports - by dragging files into the upload window.
5. Review the completed dispute for accuracy, then click 'Submit.' You'll receive a confirmation email with a tracking number.
6. If you prefer a paper form, see the next section on requesting a mailed dispute form.

Equifax will mail a paper Equifax dispute form when you send a written request to their consumer‑affairs address, including your full name, Social Security number, date of birth, and a concise description of the inaccurate item.

• Write a short letter that states you are requesting the Equifax dispute form by mail.
• List your full name, current mailing address, Social Security number (or last four digits), date of birth, and the specific credit‑report entry you want to dispute.
• Sign the letter; a handwritten signature helps verify your identity.
• Mail the request to Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348.
• Use certified mail with a return receipt and keep the tracking number as proof of delivery.
• Expect the mailed Equifax dispute form to arrive within 7‑10 business days, though delivery may vary.
• After receiving the form, follow the steps outlined in the 'access the Equifax dispute form online' section to complete and return it.

• Call Equifax at 1‑800‑378‑3229 (1‑800‑Equifax) Monday‑Friday, 7 a.m. - 9 p.m. ET; the agent will verify your identity and can send you a blank Equifax dispute form by mail or email.
  Equifax consumer contact page
• Have your full name, Social Security number, current address, and the account(s) you're disputing ready; this speeds verification and ensures the form is mailed to the correct address.
• Ask the representative to mail the Equifax dispute form (standard paper copy) and confirm the mailing address they have on file; they may also offer to email a PDF if you prefer digital delivery.
• Request a reference or case number for the call; note it down so you can follow up on the form's status or reference it in later sections like 'track your dispute status.'

The Equifax identity theft dispute form is the version of the Equifax dispute form you use when personal data has been compromised, and the fraud PIN is a temporary security code Equifax may assign to lock your file while the dispute proceeds. You typically must include a police report, proof of identity, and the fraud PIN once you receive it.

For example, Maria discovered fraudulent loans, logged onto Equifax's identity‑theft portal, selected 'Report Identity Theft,' entered her details, and submitted the online Equifax dispute form. Within five business days Equifax mailed a six‑digit fraud PIN to her address; she entered that PIN in the portal to unlock her file and finish the dispute.

If you prefer phone help, call 1‑800‑525‑6285, request the identity‑theft dispute form, and ask the representative to send a fraud PIN by certified mail. A small‑business owner used the same steps, attached a copy of the stolen business registration, and saw the dispute resolved within the typical 30‑day investigation window.

You can file an Equifax dispute on behalf of another consumer or a business account, but you must include the appropriate authorization and documentation.

• Signed authorization letter from the consumer  -  states you have permission to act on their behalf.
• Power of attorney or legal guardianship papers, if required for the specific relationship.
• Government‑issued ID for both the authorized party and the consumer or principal.
• Completed Equifax dispute form listing the consumer's or business's personal information, not yours.
• For a business, include the EIN, corporate letterhead, and a resolution or officer's signature confirming authority.
• Any supporting evidence for the disputed item (credit report excerpt, billing statements, etc.).

Submit the package by the same method you used for your own dispute - online portal, mailed form, or fax - as outlined in the 'access the Equifax dispute form online' section. Keep copies of everything, label the envelope or upload as 'Third‑Party Submission,' and note the reference number if you receive one. The next section explains how to attach these documents to strengthen your Equifax dispute form, and the timeline guidance follows thereafter.

Attach a copy of your ID, the disputed record, any payment proof, a police or FTC report, and relevant creditor letters to the Equifax dispute form.

• Government‑issued photo ID (driver's license or passport) - proves you are the claimant and lets Equifax verify the dispute.
• Original statement or account summary showing the erroneous entry - lets the investigator see the exact line you contest.
• Payment receipt, billing record, or cancelled check - demonstrates that you paid on time or that the balance is inaccurate.
• Police report or FTC Identity Theft Report (if fraud) - provides official evidence of theft and may trigger faster processing.
• Written correspondence with the creditor (email thread or letter) - shows you attempted resolution and supplies the creditor's response.

For more detail, see Equifax document submission guidelines.

Only the official Equifax website or a mailed request from Equifax delivers a legitimate Equifax dispute form; any other source is likely a scam. Look for red flags such as upfront fees, email addresses that don't end in equifax.com, and promises of instant removal.

• Verify the web address ends with equifax.com and uses https; the official form lives at Equifax credit dispute page.
• Scrutinize email senders; legitimate communications come from @equifax.com.
• Reject any service that asks for payment before filing the dispute.
• Ignore unsolicited phone calls offering 'quick fixes'; request the form through the verified phone number listed on the official site.
• Do not share your Social Security number or credit‑card details with third‑party firms unless you have confirmed they are partnered with Equifax.
• Be wary of 'one‑click' removal tools that claim to erase negative items instantly.
• Report suspicious offers to the FTC consumer protection portal.
• If you receive a PDF or Word document titled 'Equifax dispute form' from an unknown sender, assume it's fraudulent and discard it.

These safeguards keep you from fake Equifax dispute forms and common scams, letting you move on to the next step of attaching supporting documents.

A credit counselor or legal‑aid attorney can draft, proofread, and mail your Equifax dispute form while ensuring every required supporting document is attached. They typically verify that your claim meets the Fair Credit Reporting Act criteria, request a fraud PIN if needed, and keep copies for your records, which helps protect you against the common scams discussed in the previous section.

Because they understand the typical response window, counselors often set reminders to follow up within 30‑45 days, and they can intervene if Equifax asks for clarification. For low‑ or no‑cost help, consider contacting the National Foundation for Credit Counseling, which connects consumers with vetted professionals. This assistance dovetails into the next step: tracking your dispute status and reviewing Equifax's investigation results.

After you submit the Equifax dispute form, expect a written acknowledgment within 5 business days and a full investigation that typically concludes in 30 days, with a possible extension of up to 15 additional days.

• Day 0‑5: Equifax sends receipt and confirms the dispute is being processed.
• Day 5‑30: Investigators review the item, contact the furnisher, and gather evidence.
• Day 30‑45 (optional): If more information is needed, Equifax may request an extension; they must notify you of the delay.
• Within 5 days of completion: You receive the investigation results, a copy of any updated credit report, and instructions for next steps.

For real‑time updates, log into your online account as described in the 'track your dispute status' section.Equifax dispute timeline details

You can check the progress of your Equifax dispute form and view the investigation results online, usually via Equifax's consumer portal.

1. Log in to your Equifax account. After submitting the dispute form, Equifax typically sends a confirmation email with a secure link or portal ID.
2. Select 'Dispute Status' from the dashboard. The screen shows a color‑coded stage - received, under review, or completed.
3. Click 'View Results' when the status changes to completed. Equifax may provide a summary of findings, any corrected items, and a downloadable PDF of the full investigation report.
4. If the portal shows 'pending' beyond the usual 30‑ to 45‑day window, note the case number and call the consumer help line (1‑800‑xxx‑xxxx) or use the secure messaging feature to request an update. This step prepares you for the next section on escalating stalled disputes.

When Equifax stalls or rejects your Equifax dispute form, ask for a written explanation within 30 days and keep the response for your records. If the explanation does not resolve the issue, treat the rejection as a non‑compliance incident and move to the next step.

File a complaint with the Consumer Financial Protection Bureau, attaching the original Equifax dispute form, the rejection notice, and any supporting evidence; you can submit it online via CFPB's complaint portal or call 1‑877‑569‑CRE8. You may also alert your state attorney general or the FTC if the problem persists.