How to Contact the Three Credit Bureaus: Equifax, Experian, and TransUnion

Katie McBeth  | 

If you’ve ever wondered why you were denied an application for a credit card, or why you struggled to get approved for a home loan, it could be that your credit score is in jeopardy.

Your credit score is determined by a variety of factors, including your credit payment history, the age of your various credit accounts, and more credit-based criteria. But if you believe your credit score has been compromised, or that the credit score that you’ve been issued is incorrect, how can you dispute your claim and protect your consumer identity?

Most likely, you will have to report any issues directly to the credit bureaus. Luckily for you, we have compiled all this information in a list just for our Fiscal Tiger readers.

Note: If you have lost your wallet or suspect a credit or debit card has been stolen, your first priority should be contacting the issuing bank or credit card company. Getting your credit card canceled or your debit account frozen can prevent thieves from damaging your credit score in the first place. Contacting the credit bureaus will not help you stop thieves from using your credit card or debit card.

Keep in mind, this list will be updated as information changes, but it has been updated with accurate information as of March 2018.

How to Contact Equifax

Equifax Website

https://www.equifax.com/

Equifax Mailing Address

Equifax Credit Information Services, LLC

P.O. Box [dependent on your needs, see below]

Atlanta, GA 30374

  • To request a credit report: P.O. Box 740241
  • To place of lift a credit freeze from your account: P.O. Box 105788
  • To place a fraud alert on your account: P.O. Box 105069
  • To dispute information on your report: P.O. Box 740256

Equifax Phone Numbers

  • Dispute Credit Report Items: 866-349-5191
  • Request Free Credit Report: 866-349-5191
  • Place Fraud Alert on Profile: 866-349-5191
  • To Place or Remove a Freeze on Your Credit Account:
    • Automated line: 800-685-1111
    • Automated line for NY residents: 800-349-9960
    • Customer Care line: 888-298-0045
  • Existing Customer Support or General Questions: 888-548-7878
  • Business Solutions: 800-685-5000

How to Contact Experian

Experian Website

https://www.experian.com/

Experian Mailing Address

Experian National Consumer Assistance Center

P.O. Box [dependent on your needs, see below]

Allen, TX 75013

  • To request a credit report: P.O. Box 2002
  • To mail records for a credit dispute: P.O. Box 4500

Experian Phone Numbers

  • Dispute Credit Report Items: —
    • Experian’s website states: “Experian believes we can best assist consumers who have received a copy of their personal Credit Report. Once you receive your report, contact us at the number displayed on your report for assistance.”
  • Report Requests: 888-397-3742
  • To Place or Lift a Freeze on Your Account, or to Report Fraud: 888-397-3742
  • Existing Customer Support for Experian Services: 877-284-7942
  • Business Credit Services: 888-243-6951

How to Contact TransUnion

TransUnion Website

https://www.transunion.com/

TransUnion Mailing Address

TransUnion Consumer Relations

P.O. Box [dependent on needs, see below]

Chester, PA 19016-2000

  • To Purchase a Credit Report from TransUnion: P.O. Box 1000
  • To File a Dispute: P.O. Box 2000 (and mail with this form)
  • To Report Suspected Fraud or to Freeze Your Account: P.O. Box 2000

TransUnion Phone Numbers

  • Dispute Items: 800-916-8800
  • Free Annual Credit Report: 877-322-8228
  • Purchase Credit Report: 800-888-4213
  • Place a Security Freeze or Report Fraud: 888-909-8872
  • Child-Specific Identity Theft: 800-680-7289
  • TransUnion Direct Customer Support for Businesses (Existing Customers): 800-813-5604
  • TransUnion Direct Business Services (New Customers): 866-922-2100

When to Contact the Credit Bureaus

There are many reasons why you might contact the credit bureaus. It could be you want to protect your identity and credit score, or maybe you want to purchase a credit report. Here are some of the scenarios, in more detail:

Getting Your Free Credit Reports or Credit Score

You might be interested in purchasing a credit report directly from the bureaus so you can more accurately track your credit score. With the bureaus you can also track and monitor the credit score of your business, which can help you obtain a business loan or business line of credit.

Since all US citizens are guaranteed by federal law one free credit report per year (based on a 12 month cycle, not the fiscal year), you are entitled to contacting the Consumer Finance Protection Bureau (CFPB) for your credit report via their Annual Credit Report site. This report does not include your score, but does include information on the factors that influence your score.

If you would like more than one credit report per year, you can also purchase credit reports directly from the credit bureaus. Oftentimes these purchased credit reports will also come with information on how you can improve your credit and increase your score. The purchased reports from the three credit bureaus should include your credit score, as well.

Disputing Your Credit Report or Filing a Complaint

Another scenario might be that you believe your credit score might be based on incorrect or inaccurate information, and would like to dispute a claim with the credit bureaus. You can send information their way and file a dispute directly with the offices, either online through their portal, through the mail, or over the telephone.

Disputing your credit report might include paperwork or receipts, so that the bureaus can verify the information you’ve told them. Additionally, although you are able to dispute claims by yourself, it can be beneficial to get the aid of credit repair services to help you more accurately file a dispute or find alternative ways to repair your credit.

Here are the various ways (by phone, email, or physical mail) to contact the credit bureaus if you would like to dispute a claim:

P.O. Box 740256

Atlanta, GA 30374

P.O. Box 4500

Allen, TX 75013

P.O. Box 2000

Chester, PA 19016-2000

Requesting a Credit Freeze

Perhaps you believe your identity was stolen, and you’re worried the thief might destroy your credit by trying to apply to multiple credit cards or loan offices. You can call the bureaus and put a freeze on your account so the activity won’t affect your score, and banks or loan offices will be notified of the issue if anyone tries to use your personal information.

This will not deactivate any current account, however, so make sure your current open accounts are not compromised. If you believe they are, contact your bank or loan office immediately and report your concerns.

If you do place a credit freeze on your account, later you can call the bureaus back and lift the freeze on your account. You can also grant one-time, limited access to your account if you need to apply for a loan but are still concerned about identity thieves.

Here’s how to contact the various bureaus and place or lift a freeze on your account:

P.O. Box 105788

Atlanta, GA 30374

P.O. Box 2000

Chester, PA 19016-2000

Reporting Fraud or Identity Theft

If you have been notified by your bank of a security issue or believe you have been the victim of a security breach, such as identity fraud or theft, you can also report this issue directly to the credit bureaus if you’re worried it might affect your credit score. Fraud alerts can place temporary alerts on your account, and the credit bureaus can review information and notify you of suspicious activity. Sometimes identity theft might be a partial theft of your information, but might not be serious enough to warrant an entire freeze on your account.

An example of this is the recent security breach experienced by Equifax, where consumers were exposed to a partial theft of their driver’s license information. Although the breach exposed drivers license names and numbers, it did not expose the state in which the ID was issued, or the expiration date (according to a report from Equifax).

If you believe your identity was stolen, or if you noticed a fraudulent charge on your credit report, you can contact the credit bureaus here to report the issue and place a fraud alert on your profile:

P.O. Box 105069

Atlanta, GA 30374

P.O. Box 2000

Chester, PA 19016-2000

How to File a Complaint About a Credit Reporting Agency

If you feel that the credit bureaus are unable or unwilling to help you, you can report your issue directly to the federal government, or the Consumer Financial Protection Bureau (CFPB).

Keep in mind, contacting the CFPB is for extreme cases. Credit bureaus are not operated by the federal government, but the federal government does have some control over how your information is used and how the credit bureaus companies should treat consumers. It may be that you contacted the credit bureaus but were dissatisfied with their response, or never heard back from the bureaus. Additionally, if you have had an issue with credit monitoring or believe your report was used inaccurately, the CFPB would like to be notified of the issue.

Contacting the Consumer Financial Protection Bureau (CFPB)

Consumer Financial Protection Bureau

PO Box 2900

Clinton, IA 52733-2900

  • Phone number: (855) 411-2372
  • Fax number: (855) 237-2392

Image Sourcehttps://depositphotos.com/

Katie McBeth is a researcher and writer out of Boise, ID, with experience in marketing for small businesses and management. Her favorite subject of study is millennials, and she has been featured on Fortune Magazine and the Quiet Revolution. She researches SEO strategies during the day, and freelances at night. You can follow her writing adventures on Instagram or Twitter: @ktmcbeth

This post was updated March 26, 2018. It was originally published March 21, 2018.