Experian, like the other credit bureaus, allow you to dispute anything on your credit report. When you file a dispute with Experian, they have 30 days to investigate your dispute. At the end of the 30 day period, if they cannot verify the accuracy of the account, it must be deleted. You can do a couple of things to increase your chances of having negative items removed when submitting your Experian dispute. There are 3 ways you can initiate a credit dispute with Experian.
Filing an Experian dispute by mail
Don’t use template letters
You can mail your disputes to Experian. Make sure you create an original dispute letter. Copying and pasting a dispute template is a bad idea. Experian uses detection software to help them identify template letters and letters generated by credit repair companies. Often, credit repair companies dispute everything negative on your credit report, whether it’s legitimate or not. Because of this, Experian tries to identify these types of disputes and will handle it differently.
If Experian believes you are using a credit repair company or just disputing items hoping they get removed. Your dispute will not be taken seriously, and the chances of having the item removed are slim. Here are some sample dispute template letters you can follow; these are just templates. Make sure you change the wording and personalize it, so your dispute doesn’t get flagged. Handwriting the dispute letter is a good idea too.
Mail Experian disputes by certified mail
When mailing a dispute to Experian, you should send it by certified mail. This way, you will have proof of the day they received the letter. Experian has 30 days from the date they receive your dispute to complete their investigation. If they fail to remove any items that were not verified within 30 days, you can file a complaint with the CFPB (Consumer Protection Financial Bureau).
Allow 5-7 business days to receive the investigation results from Experian. The investigation results will be mailed to you anytime you mail in a dispute. When mailing disputes, you can expect the entire dispute process to take 45 days. This is factoring in the mail time for Experian to receive your letter and time it takes for you to receive the results.
Include the following in your dispute letter to Experian:
- First and Last Name
- Mailing Address
- Date of Birth
- Social Security Number
- Copy of your Drivers License
- Copy of a bank statement, utility bill, phone bill, or other type of cill with your name and address
- List the creditor name account number for each item you are disputing along with a brief reason of why you believe it’s inaccurate.
Experian Dispute Address (Updated for 2017)
P.O. Box 4500
Allen, TX 75013
Disputing your credit report with Experian by phone
Experian, like Transunion and Equifax, you can call and submit your dispute by phone. Have a list of the accounts you wish to dispute before calling. Remember, not all three credit bureaus will have the same information. An account listed on a Transunion credit report may not be on your Experian report. Experian will ask for the name and balance of the account you wish to dispute, along with the reason you are disputing it.
Reason for account disputes with Experian
- I do not recognize this account
- The account isn’t mine
- Balance is not correct
- The account was paid before going into collections.
- I was never late on this account.
Experian Dispute Phone Number
Phone: (714) 830-7000
Monday – Friday 8 a.m. – 5 p.m. Pacific Standard Time (Average wait time 8 minutes)
Press 1; on the next message, press 1 again to be connected to a live agent.
Filing your Experian Dispute Online
The most popular and quickest way of disputing items with Experian is online. You can go to https://www.experian.com/consumer/upload/ and enter the items you wish to dispute. Go through and list each account and the reason for the dispute.
- Not my account
- This account is closed
- Never paid late
- Account paid in full
- Should not have been sent to collections, was paid in full.
- The account was included in a bankruptcy.
- Other (explain)
Experian online dispute URL: https://www.experian.com/consumer/upload/
By filing a dispute with Experian online, you will get the investigation results much quicker because there is no mail time. Experian will email you the results after the 30-day window has closed.
Don’t give up if an account you disputed is not removed. You can continue to dispute accounts multiple times, keep on disputing it. Many times, an account was not deleted from a consumer’s account the first time but was later removed after multiple disputes.