My Credit Report Has Errors

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In compliance with the Fair Credit Reporting Act, the CRA’s (credit reporting agencies) have 30 days to look into your complaint and act on it, and must show in your report that an item is being disputed or is under investigation.

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What additional documents are you sending?

You may send a dispute letter to each CRA from whom you have ordered, received, and reviewed, a copy of your report if you think there are errors or wrong information. The addresses for dispute letters to the big 3 CRA's are:

TransUnion Consumer Solutions

P.O. Box 2000
Chester, PA 19016

Equifax Information Services, LLC

Complaint Department
P.O. Box 740256
Atlanta, GA 30374


P.O. Box 4500
Allen, TX 75013

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