How Do I Upload Documents to Equifax?

Choose the documents that most directly verify the error you're disputing.

• A recent credit‑card statement or bank statement showing the correct balance or payment date (ideal for inaccurate balance or late‑payment claims).
• An original receipt, payment confirmation email, or canceled check that proves you paid a debt on time (effective for 'paid‑in‑full' disputes).
• A loan payoff letter or settlement agreement from the creditor (useful for closed‑account or settled‑debt issues).
• A police report, identity‑theft affidavit, or FTC Identity Theft Report when the dispute involves fraud or unauthorized accounts.
• A court judgment or dismissal order if a legal ruling contradicts the reported information (strong for public‑record inaccuracies).
• A billing statement or service contract that contradicts a charge entry (helps with 'charged‑in‑error' disputes).

Select the item that most clearly ties the correct information to the disputed entry, then move on to confirming Equifax's accepted file types.

Equifax accepts PDF, JPG, JPEG, PNG, GIF, TIFF and BMP files, each no larger than 5 MB and must be non‑encrypted and clearly legible.

If your document isn't one of these types, convert it to PDF before uploading; you can double‑check the list on the upload screen or on the Equifax dispute portal file requirements page to avoid format rejections before you move on to file‑size preparation.

Equifax accepts PDF, JPG, PNG, and TIF files that do not exceed 5 MB each. After you've selected the strongest documents and confirmed the file type, follow these steps to ensure every upload meets the limits.

1. Convert to an approved format - Save multi‑page items as a single PDF; keep single‑page images as JPG, PNG, or TIF.
2. Resize or compress - Use an online compressor or image‑editing tool to shrink the file until it is ≤5 MB.
3. Rename clearly - Include the document type and date (e.g., 'UtilityBill_03‑2023.pdf') so Equifax can match it to your dispute.
4. Check orientation and readability - Open the file on your computer; rotate if needed and verify that all text is legible.
5. Store a backup - Keep the original and the compressed version in a secure folder in case Equifax requests a re‑upload.

For the official limits, see the Equifax dispute portal file guidelines.

Mask or redact any personal info - social security numbers, account numbers, full addresses - on each file before you upload it for your Equifax dispute. Keep only the data that proves your claim; extraneous details increase the risk of identity theft if the portal is ever compromised.

Encrypt the final PDF with a strong password, store that password offline, and submit the file using a trusted device on a secured network. Avoid public Wi‑Fi and verify you are on the official portal; for extra guidance see Equifax document upload security tips.

Log into the Equifax online dispute portal and attach your prepared files. The portal guides you through each step, ensuring the files meet the size and format limits you set earlier.

• Visit the Equifax online dispute portal and sign in with your SecureID or create an account.
• Click Start a new dispute and select the account or entry you're challenging.
• Choose Upload supporting documents from the options provided.
• Press Browse (or Choose File), locate each PDF, JPG, or PNG you prepared, and confirm the preview.
• If desired, add a brief description for each file to clarify its relevance.
• Click Submit; a confirmation number will appear - save it for future reference.

Now the Equifax dispute is in the system, and you can monitor its progress in the portal or move on to uploading via your phone if you prefer a mobile approach.

You can upload the files for your Equifax dispute directly from your smartphone, bypassing a computer entirely.

1. Open your mobile browser and sign in to the Equifax online dispute portal.
2. Tap the 'Upload Documents' button inside the active dispute case.
3. Choose 'Upload from Phone' (or similar wording).
4. Use the camera option to photograph your document, or select a saved image/PDF from your device storage.
5. Review the preview; ensure all text is legible and the file meets the size and format limits you prepared earlier.
6. Confirm the upload and hit 'Submit'.

Your mobile upload is now part of the Equifax dispute record; if the portal rejects the file, you can revert to the next method - mailing documents - as described in the following section.

If you can't upload your files, mail the documents to Equifax's dispute address. After you've chosen the strongest proof (section 1), verified the accepted types (section 2), and formatted them to meet size limits (section 3), place the originals in an envelope.

Include:

• a brief cover letter stating the dispute reference number and the reason for mailing
• clear copies of each document (no originals unless specifically requested)
• a photocopy of a government‑issued ID to verify your identity
• any supporting evidence such as billing statements or police reports

Send the packet to Equifax dispute mailing address, P.O. Box 105069, Atlanta, GA 30348, using certified or priority mail with tracking. Keep the receipt and tracking number for your records; Equifax typically processes mailed submissions within 30 days.

The next step explains how to troubleshoot common upload errors if you later regain online access.

Common upload errors in the Equifax dispute portal include file‑type rejections, size limits, timeout messages, and corrupted scans. Fix them by matching the portal's requirements and checking your connection before retrying.

• Convert PDFs, JPEGs, or PNGs to the exact format listed in the 'confirm document type' step; rename files with only alphanumeric characters.
• Resize each file to stay under the 5 MB limit; use an online compressor or reduce scan resolution to 300 dpi.
• Re‑scan blurry pages; ensure the image is sharp and all text is legible before uploading.
• Clear your browser cache or switch to a different browser if you see a 'connection timed out' error.
• Verify the internet connection is stable; pause large downloads or streaming while the file uploads.

After you submit your documents, Equifax sends a case number; use it to track the dispute in the online portal or via the confirmation email.

Log into the Equifax online dispute portal, enter the case number, and select 'View Status' to see real‑time updates, notes, and any requests for additional info.

Equifax typically resolves disputes within 30 days, though clear, complete files may close faster; if the deadline passes without a decision, call their support line and reference your case number before moving to the next step of responding to any further verification requests.

• Obtain the applicant's free annual credit report from AnnualCreditReport.com after they sign a written consent form (required by the FCRA).
• Use free tenant‑screening portals such as Cozy's built‑in background check, which charges only a nominal fee per report and includes employment verification.
• Choose low‑cost pay‑per‑report services like SmartMove by Experian, typically $15‑$20 per screening, no subscription required.
• Run a local police or court record check directly through the city's public‑record website; many municipalities provide this data free of charge.
• Leverage rent‑payment‑history services (e.g., RentTrack) that let tenants share their own reports for $0‑$5, eliminating the need for a credit pull.

For identity theft or fraud cases, upload the specific supporting documents through the Equifax online dispute portal using the dedicated Identity Theft/Fraud upload section.

When the dispute involves identity theft, attach a police report, the FTC Identity Theft Report, and a government‑issued ID with the compromised Social Security Number redacted; Equifax typically accepts PDFs or JPGs up to 5 MB, and the portal prompts you to tag each file as 'Identity Theft.' If you prefer mailing, send the same items to Equifax Identity Theft Department  -  include a cover letter referencing your dispute ID and use certified mail for tracking.

When the dispute concerns fraud without a full identity‑theft claim, provide a signed fraud affidavit, recent account statements showing the unauthorized activity, and any settlement or charge‑back documents; the portal's 'Fraud' tag groups these files, and the same size and format limits apply.

Because a police report is usually unnecessary, the upload process is often faster, and Equifax may request additional verification directly through the portal rather than by mail. For detailed guidance, see the Equifax identity theft help page.