You can file a dispute with the credit bureaus by sending a dispute letter through postal mail.
In order to file a dispute with the credit bureaus, you can either use the forms that they provide when you order your credit report by mail, or, if for some reason that form is not suitable, you can write your own dispute letter. It is also a good idea to send a copy of your credit report with the errors highlighted. You should send in any additional document that verify and substantiate your claim. A credit bureau is mandated by the fair credit reporting act to investigate your dispute and respond to you within 30 days in writing with the results of the investigation.
The following are addresses for each of the 3 national credit bureaus where you can mail them your dispute letter.
Dispute Addresses for Equifax:
Equifax P.O. Box 740 4256 Atlanta, GA 30374-0256
Dispute Address for Experian
Experian Dispute Department P.O. Box 9701 Allen, Texas 75013
Dispute address for TransUnion
TransUnion Consumer Solutions, P.O. Box 2000 Chester, PA 19022 2000.
It is highly recommended that you get a recent copy of your personal credit report before sending a dispute letter. Most of the times, the credit bureaus will not entertain a dispute letter or a dispute request till you have a recent copy of your personal credit report. One of the reasons is that it is difficult for the CRAs to tally the information in your dispute letter to the information on your credit file if you are not basing it on a recent copy. If the copy of your credit report is not a recent one, the information that you are looking at and the one that the credit bureau checks it against might have changed or be different, in which case they will probably inform you that they cannot find the information you are referring to.
While the above mentioned addresses were current during the time of writing this post, you will get the most current and correct address for sending the dispute letter when you order your credit report in mail from the credit reporting agency. There will also be a pre-formatted form that you can use to list your accounts and information that you wish to dispute. This form is simple to fill and mail back to the credit reporting agencies.