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How Credit Bureaus Describe Dispute Process (Part 2 of 3): Experian

December 8th, 2016 · No Comments · Credit Repair

by Kristy Welsh

(Last Updated On: August 17, 2017)

How Credit Bureaus Describe Dispute Process (Part 2 of 3): Experian

The more you know about the credit dispute process — an essential part of repairing your credit — the better, especially specific to the credit bureau you’re dealing with. Here’s what Experian has to say about it.

1) Like TransUnion, Experian clearly prefers you to dispute online

Experian not only lists the online option first but includes a list of in-depth tips for doing so. It provides no such tips list for initiating the dispute process via phone or mail. But the thing of it is, most credit experts agree – don’t dispute online. Submit credit disputes via regular certified mail with return receipt requested.

2) They request the following be included with your mailed credit dispute:

  • Name, date of birth, and social security number
  • All addresses you have had over the past 2 years
  • Copy of government-issued ID card
  • Copy of utility bill, bank statement, etc.
  • List of the items you are disputing, including account numbers and dispute reasons

3) Experian varies how they send disputes to data furnishers

When you dispute a listing on your credit report, it is the job of the credit bureau to seek verification from the data furnisher (e.g., creditor, collection agency). Experian says they may do this via phone, letter, or an “automated verification system.”

4) When they share your credit dispute with data furnishers, Experian instructs them to:

  • Verify that the disputed information they are reporting to the bureau is accurate
  • Respond back to the bureau with results of the investigation within 30 days

Experian will send you the results once the investigation is complete.

5) If the bureau doesn’t hear back in time, they’ll do as you requested

Should the 30 days come and go without the bureau hearing back from the data furnisher, Experian says they’ll go ahead and alter your credit report to the reflect the correction or deletion you requested.

6) If you disagree with a result, you have options

Once an investigation is closed, Experian says you can still mail in additional information to be considered. Beyond that, Experian acknowledges that you can submit a statement about the dispute to be included in your report (i.e., your side of the story). They caution you, though, on how to do it right.

Though they do not say as much, you can also submit a complaint to the Consumer Financial Protection Bureau (CFPB). Just be sure you only do this after exhausting every other possibility – with the credit bureau, as well as directly with the data furnisher.

Mailing Your Credit Dispute to Experian

Mail your dispute (and supporting documents) to:

Experian
P.O. Box 4500
Allen, TX 75013

To make it easier on yourself, take a look at our template for disputing inaccurate information with the credit bureaus. Edit it as necessary to reflect the details of your unique situation.

Need to Deal With Other Credit Bureaus, Too?

Here’s what TransUnion and Equifax have to say about the dispute process.

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