How to Dispute an Experian Credit Report by Mail

On This Page,You can easily know about How to Dispute an Experian Credit Report by Mail.

According to the Federal Trade Commission, 5% of consumers have errors in their credit profiles. If you think that there’s a mistake on a credit report that you simply received from Experian, you’ll dispute that error. The dispute process is freed from charge, and will take a few month.

Table of Contents

The Experian credit report query form

In order to initiate a correction you’ll got to follow a group process. This process starts with the Experian Credit Information Report Query form . this type is out there on the company’s website and may be printed out. belongings you got to realize this type are:

You will need an ERN to use this type . The ERN is that the Experian Report Number that’s assigned to your credit report and is supposed for them to make sure the right report is being mentioned .

You will got to fill altogether the sections that are mandatory.

You can check the box that relates to your query, if it’s about personal details, or use the space provided by them to tell them about problems together with your credit history.

The report will got to be amid copies of an identity and address proof and therefore the copies will need to be self-attested.

If the shape isn’t filled up properly or if the supporting documents aren’t signed or correct, the appliance won’t be processed.

Instructions for Disputing by Mail

  • Your full name including middle initial (and generation like JR, SR, II, III)
  • Your date of birth
  • Your Social Security number (if you’ve got never been issued a Social Security number, please note that in your request)
  • All addresses where you’ve got lived during the past two years
  • One copy of a government issued identification card, like a driver’s licence or state ID card, etc.
  • One copy of a utility bill, bank or insurance statement, etc.
  • List each item on your report that you simply believe is inaccurate, the account number and therefore the specific reason you are feeling the knowledge is wrong .
  • there’s no charge for submitting a dispute.

Send your completed dispute information to the address above. Only include copies and don’t send original documentation. Experian cannot return copies from your mailed request.

Writing Your Dispute Letter

Provide your identifying information. Experian requests that you simply include the subsequent information in your letter:

  • Your full name and middle initial (and generation, like Jr., Sr., II, III, etc.);
  • Your date of birth;
  • Your Social Security number (or a note that you simply were never given a Social Security number); and
  • All addresses where you’ve got lived for the past two years.

Getting a Response

Wait 30 days

Once Experian receives your dispute letter, they’re going to contact source of the disputed information, like the creditor who reported it or the seller who collected the knowledge from a public record source. This process may take up to 30 days (21 days for Maine residents). After Experian finishes investigating your dispute, they’re going to send you the results of their investigation.

If the source of the knowledge doesn’t answer Experian’s investigation, Experian will either update the knowledge consistent with your request or delete the wrong data.

Continue the dispute if you’re unsatisfied

Experian may conclude its investigation and determine, supported the knowledge it received from your creditor, that the disputed information in your credit report is accurate. If you continue to disagree, you’ll continue your dispute by contacting Experian’s National Consumer Assistance Center.

  • you’ll got to provide documentary evidence that disproves the creditor’s claim, like a symbol of the payment you made that the creditor denies receiving.
  • Mail your supporting document(s) and a letter explaining that it disproves an inaccurate item on your credit report back to P.O. Box 4500, Allen, TX 75013.
  • you’ll also submit your document(s) and explanation online by visiting https://www.experian.com/consumer/upload//.

Warnings

  • this text is meant as legal information and doesn’t provide legal advice. If you would like legal advice, contact a licensed attorney.
How to Dispute an Experian Credit Report by Mail

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