Experian Dispute Mailing Address

Last Updated: Nov 16, 2022

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Federal laws afford you the right to review and dispute information on your credit report. Identifying an error requires a review of your credit report, allowing you to confirm the accuracy of the information being reported.

When disputing an item at Experian, you are afforded three modes of communication being by mail, by phone, or online.

Where to Dispute Your Experian Report By Mail?

If you choose to dispute an item on your Experian credit report by mail, ensure your dispute letter is addressed to:

P.O. Box 9701

Allen, TX 75013.

Where to Dispute Your Experian Report Online?

Alternatively, you may choose to dispute your Experian credit report online. To do this you would need to make use of the following link www.experian.com/dispute. If you have not registered with Experian, that will be required first.

Where To Dispute Your Experian Report By Phone?

The final method is by phone. This method is considered the least effective of the three available options, due to documentation required in the dispute process. To initiate a dispute by phone, call 866-200-6020.

What Happens After Sending Your Dispute?

Once the item has been disputed, Experian has 30 days to investigate the dispute, and follow up with a response regarding the results of the investigation.

If your dispute is determined to have merit, Experin will correct the information on your credit report, or remove it completely. However, If Experian determines the information reported is accurate, then that information will remain on your report. The result will be communicated in writing, either by email or letter depending on the method used to initiate the dispute.

If you agree with the results the dispute is considered resolved. However, if you disagree, several options are available to escalate the dispute to achieve the desired outcome.

Wrapping It Up

Lodging a dispute won’t impact your credit report negatively. Consumers are afforded three different avenues when disputing information on their credit reports. Make use of the method you are most comfortable with when disputing any information.

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