Credit Bureau Dispute Mailing Addresses: Verify First
Finding the current dispute mailing address for a credit bureau
CheckDispute · Sources checked September 20, 2026
The published addresses do not agree with each other — and the CFPB, on a page it reviewed September 2, 2026, has stopped printing Equifax's dispute address and instead tells you to get the current one from the bureau. So this is not an address list. It is the two-minute verification habit that beats every address list, because address lists go stale.
The habit: verify before you copy
Three steps, in order:
- Read the address off your own credit report first. The FTC says a mailed dispute can use the address found on your report or a bureau's dispute address, per its dispute guidance. The address on the report is the one tied to your file.
- Confirm it against the bureau's current contact page. For Equifax the CFPB's own page does not print an address at all — it directs you to the bureau's contact page for the current one, and does the same for Experian and TransUnion's mail-dispute instructions. A federal regulator declining to publish a stale address is the lesson.
- Write down which source you used and the date. That note goes in the file with your copy of the letter — it is part of the record, and it is what lets you re-verify later if anything comes back.
What the published addresses actually show
The FTC's page lists these addresses — reported here as the addresses on the page we checked September 20, 2026, which the FTC dates April 2024: Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348; Experian, P.O. Box 4500, Allen, TX 75013; TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016.
Treat them as a starting point, not an answer: the ZIP the FTC prints for that Equifax box and the ZIP circulating elsewhere for the same box are not identical — which is exactly why a reader verifies rather than copies. Published sources differ; your report and the bureau's current page are the tiebreakers.
The same pattern shows up in search itself: an AI Overview on this query prints bureau addresses sourced to a mix of the CFPB, a bureau, and commercial sites — a collage, not an authority. An address is operational detail, and operational detail changes. The verification habit survives every version of the list.
The address that is not a dispute address
One address a current federal page does publish in full is for a different job entirely: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 — for ordering your free reports by mail, per the FTC's free-reports page. It is one of only three authorized ordering channels, and it is not a dispute address. Mailing a dispute to the report-ordering box is the exact error this article exists to prevent.
A related warning from the same page: only AnnualCreditReport.com is authorized to fill orders for the free annual reports, and imposter sites use lookalike names and misspelled URLs. Neither the site nor the bureaus will email you asking for a Social Security number or account information. Verify the address and the website with the same habit.
What happens after I send a 609 dispute letter?
The question carries a myth: Section 609 (15 U.S.C. §1681g) is a file-disclosure right — a request for it produces the contents and sources of your file, not deletions, no matter which address it goes to. What follows a §611 dispute letter is the defined process: a 30-day reinvestigation running from the agency's receipt of your notice.
No address choice changes the outcome — and no correct address turns accurate negative information into an error. A dispute corrects what is wrong; it does not remove what is accurate, and nothing in the addressing rules promises otherwise.
The furnisher address is a different field
For a dispute to the company that furnished the information, the CFPB says to use the furnisher's address on your consumer report or an address it specified for credit-reporting disputes — and the FTC adds that if you cannot find a dispute address on the report or online, contact the business and ask for the correct one. Regulation V fixes it as a rule: the duty attaches only to a notice sent to the report address, a specified dispute address, or any business address if none was specified. A letter to a random corporate headquarters may never trigger the duty at all.
This is the route industry sites call a "623 letter" — a real route with a defined address rule, not a special instrument with special power. The same rule carves out identifying information, inquiries and most public-record items — those belong with the bureau, not the furnisher.
Frequently asked questions
What are the dispute addresses for the three credit bureaus? The addresses the FTC listed on the April 2024 page we checked appear above — but published sources disagree, and the reliable habit is: read it off your own report, confirm on the bureau's current contact page, note the source and date.
What is the mailing address for an Experian dispute letter? The FTC's page lists Experian at P.O. Box 4500, Allen, TX 75013 as of April 2024 — confirm it on Experian's current dispute page before mailing, since published versions differ.
What happens after I send a 609 dispute letter? §609 is a disclosure right, not a dispute — a §611 dispute gets a 30-day reinvestigation from receipt. No address choice changes the outcome.
Is a P.O. Box address formatted differently? Yes — the box number goes on the line immediately above the city, state and ZIP, per USPS addressing rules.
The address is a thing you verify, not a thing you copy — report first, bureau's page second, note the source and date. Disputing is free; free reports are at AnnualCreditReport.com. CheckDispute prepares a draft you review and approve — it does not send mail or file disputes, and a correct address does not guarantee a particular result.
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