Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Include copies of hard evidence even if you have screenshots. You can also call Equifax to initiate a dispute at 866-349-5191 or can mail in forms initiating a dispute to: Equifax. If you file a dispute with the three nationwide credit bureaus, you can generally expect to receive the results of your dispute within 30 days. The creditor will then open its own investigation, and will respond to Equifax with its findings. Transunion did an investigation very quickly and removed the derogatory remark within a few days, causing my credit score with them to go up by about 50 points overnight. File a dispute with Equifax. If you used the online Equifax dispute … The Equifax agent did not tell her any of this, and proceeded to pitch credit monitoring products. The first time I spoke with a woman who I'm 99% sure was in the Phillipines who told me Equifax would handle the dispute, and I hung up thinking something had been resolved. Once all the above steps are completed you will be ready to effectively dispute major errors from your report. Equifax … I have no idea what to do in this situation. By mail: Equifax Canada Co. Consumer … Box 740256. She eventually relented and signed up to pay $6.99 per month for a credit monitoring service. Is it me or does anyone else have any issues trying to check the status of their dispute on equifax? Their website is undergoing maintenance so I couldn’t lift the freeze from there. This article will be going over some tips for disputing your Equifax … So, we were able to breath a sigh of relief knowing her credit was frozen. When we got through the initial steps of filing a police report and contacting credit card companies (all of which had been contacted for "replacement cards") we contacted credit bureaus to freeze access. If Equifax determines that the information is accurate, you can ask to include a statement of dispute in your credit file. Over the holiday weekend, a hard inquiry came in. Due to COVID-19, we are experiencing longer than normal processing times. (Thank you Target!) I have a few things that have been disputed and it keeps sending me emails that my disputes are available to view, either to check status or that my dispute … One option is to send a dispute letter to Equifax … I've also tried using Equifax's automated phone system, but it drags me along for a while before telling me that I need to speak with a live representative. My wife interrupted the Equifax agent to reiterate that she needs her credit frozen, that she called last week and requested that her credit be frozen, only to find that it wasn't. I talked with him a while, told him that I was unable to access the site and that I wanted this issue resolved more concretely before I hung up. If you spot any errors in your report, you can dispute them and the agency is required to investigate and correct any errors it finds. So, I attempted to use their portal to enact the freeze. It was a small debt for only $60, but I did not recognize it, and it was from a town I have never lived or spent any money in. I’m weirded out by not knowing how long my credit report has been open to who ever. When you send a credit dispute letter to any of the credit bureaus (Experian, Transunion, or Equifax), by law they must investigate and resolve your dispute within 30 days. Press J to jump to the feed. So by all means, if you have a huge debt listed on your credit file that doesn't exist, dispute that bitch. Please enable JavaScript to view the page content. I asked what that was and couldn’t get an answer. My main question is whether it would be helpful to open another secured credit card. I called Equifax with her phone while she was getting ready for work. Join our community, read the PF Wiki, and get on top of your finances! Equifax, however, has been difficult to do anything with. Alright so I called Equifax and to place a fraud alert on an account, and they told me to mail something to PO Box 740, 256 Atlanta Georgia 30374. On creditkarma, it showed both Transunion and Equifax as having an account in collections under my name. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Your support ID is: 8099029052137799887. Call the Equifax Dispute Phone Number To speak directly with a live person, call the Equifax Dispute phone number and state your case about any inaccuracies found on your credit report. It is a small debt and we probably will just ignore it forever as it hasn't hurt her score. I told her I’m holding the letter from 15 years ago where I signed up for a credit freeze plus I’ve had to thaw it a few times over the years and she still kept going to I never had a freeze. At the same time, we received a "address change in progress" notification from USPS by mail. Discuss all things Equifax, ask questions, or complain about their complete lack of security measures to keep hackers from stealing half the US population's private data. If you were affected by the Equifax breach, you qualify for either $125 or up to 10 years of free credit monitoring. Equifax will investigate your dispute more aggressively that way. To whom do I speak to get this straightened out? 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