Equifax online dispute: full walkthrough
Last updated: Sources checked: September 2026
You can dispute an error with Equifax online, by mail, or by phone. The online route is the quickest and gives you a confirmation. Mail gives you a paper trail. Whichever you use, the 30-day clock starts when Equifax receives your dispute.
Portals change their screens often. This guide describes the general flow and what to prepare. Follow what the Equifax page asks for on the day you file.
What to have ready
- A current Equifax credit report, so you can point to the exact item.
- Your own records that show the error: statements, payment confirmations, letters.
- Copies of any documents you plan to upload, saved as files you can attach.
- Your personal details: name, address, date of birth, Social Security number.
Online
The official Equifax dispute page is at equifax.com/personal/credit-report-services/credit-dispute.
The general steps are:
- Open the dispute page and sign in or create the account the portal asks for.
- Choose the report or account you want to dispute.
- Select the item and the reason that fits: not mine, wrong balance, wrong status, or similar.
- Add a short explanation in plain words. Say what is wrong and what the correct information is.
- Upload your supporting documents.
- Read any terms shown before you submit.
- Submit, and save the confirmation number or a screenshot of the confirmation page.
By mail
Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256
Send your letter with copies of your proof, by certified mail with a return receipt. See how to dispute by mail.
By phone
Equifax lists 1-888-378-4329 for disputes. A phone call can start a dispute, but you have no written record unless you also send a letter or confirm online. If you call, write down the date, time, and the name of the person you spoke to.
Wording that helps
- Say what the report shows and what it should show.
- Point to your proof: “My statement dated June 3 shows a $0 balance.”
- Dispute each item separately.
What happens next
Equifax forwards your dispute to the furnisher and investigates. You get the results in writing. If Equifax changed your report, you receive an updated copy. If it says the item is verified, see your dispute came back verified. Track the dates with the deadline calculator.
Do this today
Before you open the portal, write one sentence for each error: what the report shows, what is correct, and which document proves it.