Do I need to dispute with all three bureaus?

Dispute with each bureau that shows the error. The same account can be reported differently by each, so check all three reports.

Do these addresses ever change?

They can. Confirm the current dispute address on each bureau's website before you mail, especially for identity theft disputes.

Reference

Where to send a credit report dispute.

Mailing addresses for Equifax, Experian and TransUnion, and what to put in the envelope.

Direct answer

Mail disputes to the address below for each bureau that shows the error, with a letter and copies of your supporting documents. Use a method that proves delivery. Confirm each address on the bureau's website first, since addresses can change.

Equifax

Equifax Information Services LLCP.O. Box 740256Atlanta, GA 30374-0256

Experian

ExperianP.O. Box 4500Allen, TX 75013

TransUnion

TransUnion Consumer SolutionsP.O. Box 2000Chester, PA 19016-2000

Identity theft disputes

Equifax uses a separate fraud department address for identity theft disputes: Fraud Department, P.O. Box 105069, Atlanta, GA 30348-5069. Include your FTC Identity Theft Report from IdentityTheft.gov. Confirm on the bureau's site before mailing.

What to include in the envelope

Your dispute letter, identifying each item and why it is inaccurate.
A copy of a government-issued photo ID.
A copy of proof of address, such as a utility bill or bank statement.
Copies of documents that support your dispute.

Prove it was delivered

The bureau's investigation window, generally 30 days, starts when it receives your dispute. Certified mail gives you a tracking number and delivery record. Compare certified and first-class.

Let us handle the paperwork

Rapid Rescore writes a letter to each bureau, attaches your ID and proof of address, and addresses them correctly. Print and mail them free, or have us mail them first-class or certified with tracking.

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General information, not legal advice. Verify addresses with each bureau before mailing. Last reviewed: October 2026.

FAQs

Dispute address questions

Can't find what you're looking for? Talk to us directly.

No. Each bureau offers an online dispute process. Mailing a letter with documents and proof of delivery gives you a clear written record, which is why many people choose it.

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