Can I dispute online instead?

You can, but online portals waive certain documentation rights. Mail is the gold standard.

What is the FCRA investigation deadline?

Bureaus have 30 days (45 in some cases) to investigate from the date they receive the dispute.

Do I need to send to all three bureaus?

Only to bureaus that are actually reporting the item. Pull your reports first to confirm.

Should I send the same letter to the collector?

Yes — a parallel direct dispute triggers the furnisher's separate FCRA obligations.

What evidence should I include?

Identity verification (ID, utility bill) and any supporting documentation. Never originals — copies only.

How do I track delivery?

Certified Mail Return Receipt provides a USPS-confirmed delivery date and signature.

Collection Dispute Addresses: Where to Send Letters

Where you send a dispute matters as much as how you write it. The three nationwide bureaus each maintain a dedicated dispute mailing address. Use certified mail with return receipt.

Last updated May 18, 2026Reviewed by SCI Editorial Team

Bureau dispute addresses

Equifax — Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256.

Experian — Experian, P.O. Box 4500, Allen, TX 75013.

TransUnion — TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000.

Furnisher (collector) addresses

Always send a parallel dispute to the collector at the address on the original collection notice. The furnisher has its own FCRA investigation duties independent of the bureau.

Mailing best practices

USPS Certified Mail with Return Receipt. Keep copies of every letter and every signed receipt. Track delivery dates so you can enforce the 30-day investigation timeline under the FCRA.

Frequently asked questions

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