Traditionally, disputing errors in an Experian credit report or an Experian credit score has involved sending a dispute letter. Add your personal details, the details of your disagreement, and the reasoning behind it. Enclose duplicates (not originals) of the gathered documentation to bolster your stance and explain your disagreement with the report. Your Experian dispute letter should be sent to:

Experian
P.O. Box 4500
Allen, TX 75013


How to Call Experian and Dispute Your Report

Make a phone call to the number on your credit report or (888) EXPERIAN to dispute information in your Experian credit report. It will be necessary for you to explain the details of the items you are challenging, so be prepared with your report. In case you need to refer to certain specifics, it's also a good idea to have your supporting documentation easily accessible. Over the phone, maintain composure, courtesy, and professionalism.


Online Experian Report Dispute Procedure

The quickest way to file an Experian dispute is frequently online, but we do not advise doing so as it waives your right to participate in class actions and agrees to an arbitration provision.

To file a dispute with experian, go to their website and follow the instructions if you must do so online. You are able to submit digital versions of the accompanying documentation.


After a Dispute is Filed, What Will Happen?

The processes that Experian needs to follow up on a dispute you make are specified by the Fair Credit Reporting Act, or "FCRA." Experian has 30 days (21 days for residents of Maine) to look into your complaint, according to the FCRA. Once Experian receives your dispute, it will review the materials you've submitted, speak with the source of the allegedly inaccurate data, and let you know the results—whether they agree with you and have taken action to fix the error, or whether they disagree and will not change your report.