investigate.equifax.com

 www.investigate.equifax.com

www.investigate.equifax.com

Credit accounts, bankruptcies, collections, liens, judgments, inquiries, and personal identification information can now be disputed online.

If you submit your dispute with Equifax online the results of our reinvestigation will ONLY be provided to you online. You will need to ensure that any spam blocker or email settings for the email account you provide while disputing online are set up to allow for emails from Equifax.

If you want the results of the reinvestigation mailed to you, you should NOT submit your dispute to Equifax online, but should submit it by mail or phone.

Your Report Confirmation Number can be found at the top of your Equifax credit report. It is used to help you initiate a phone dispute of your credit file information. We request it for an online dispute, but it is not required. This number allows Equifax to more easily access your credit file. Please keep this number for your records.

Supporting documentation is needed for some disputes, such as name, address, and updates to your Social Security Number. You will be asked to submit the below information if you dispute personal identification information online.

  • • If you report an inaccuracy or change to your name or date of birth, you will need to send us a copy of your driver’s license reflecting this change.
  • • If you report an inaccuracy or change to your current address, you will need to send us a copy of your driver’s license or a utility bill reflecting this change.
  • • If you report an inaccuracy to your social security number, you will need to send us a copy of your social security card or a W-2 form.

You will need to have a recent copy of your Equifax credit report with the Report Confirmation Number to talk to a live representative. A phone number will be included in your Equifax credit report that will give you access to a live phone agent.

It can take up to 30-45 days depending on the nature of your dispute and whether the dispute is of information in a credit report other than your FACT Act free annual disclosure report . If the dispute is with information in your FACT Act free annual disclosure report this can take up to 45 days. Otherwise, your dispute should be resolved in 30 days. However, your dispute response may be available prior to 30 days depending on the nature of the dispute and the response time from any creditors that are contacted.

Within a month of your dispute request, either Equifax or CSC Credit Services (depending on who owns your credit file) should notify you of the results of its dispute reinvestigation and provide you with a credit file reflecting the results of the reinvestigation at no charge. You should examine it carefully to see if information you disputed has been changed or removed. If information you disputed has been re-verified it will remain in your credit file, but you can request that it be shown as disputed and you can add a statement of explanation to your credit file. If you dispute online, you may check the status of your dispute by entering your Confirmation Number.

Before opening an investigation for a dispute online, check the accuracy of all 3 credit reports by clicking the button below.