Track a letter

Where to mail an Experian credit report dispute

To dispute an error on your Experian credit report by mail, send your letter to Experian, P.O. Box 4500, Allen, TX 75013. Under the Fair Credit Reporting Act, Experian must investigate a mailed dispute — usually within 30 days — and mailing gives you a dated paper trail that an online dispute does not. Include copies (never originals) of anything that supports your case.

Experian — mail-in disputes

Experian
P.O. Box 4500
Allen, TX  75013

Disputing inaccurate information on your Experian credit report by mail.

Verified July 2026experian.comconsumerfinance.gov

Write it now. We print & mail it for $5.

Type your letter in the browser. We print it, stamp it, and hand it to USPS — usually same business day. No printer, no stamps, no post office.

Mail my Experian dispute — $5

$5 flat · postage included · no account needed

  • You write & pay
  • We print & envelope
  • USPS, next business day
  • Confirmation of Mailing emailed

Your name
Your return address

ExperianP.O. Box 4500Allen, TX 75013

Your letter, printed and mailed for you.

Key facts

  • Mailed disputes to Experian go to Experian, P.O. Box 4500, Allen, TX 75013.
  • The FCRA requires the bureau to investigate and respond, generally within 30 days of receiving your dispute.
  • Send copies of supporting documents, not originals — the bureau does not return what you mail.
  • Disputing with one bureau does not fix the others. If the same error appears on more than one report, dispute with Equifax, TransUnion, and Innovis separately.
  • Certified mail (or PostPal’s dated confirmation) gives you proof of the date the bureau received your letter — useful if you later need to escalate to the CFPB.

How to send your letter

  1. 1

    Write a clear dispute letter

    State your full name and current address, identify each item you are disputing (account name and number), explain why it is wrong, and ask Experian to correct or remove it. Ask for a corrected copy of your report.

  2. 2

    Attach copies of your evidence

    Include copies of anything that supports your dispute — a paid-off statement, an identity-theft report, a corrected balance. Circle the disputed items on a copy of your credit report if you have one. Keep your originals.

  3. 3

    Mail it to Experian

    Address it to Experian, P.O. Box 4500, Allen, TX 75013. A dated proof of mailing starts the clock on the 30-day investigation window.

  4. 4

    Send it without a printer

    Write your dispute in PostPal, attach your evidence as PDFs or photos, and we print, envelope, and mail it via USPS for $5 — with a dated confirmation email as your proof of mailing.

Common questions

What is the mailing address to dispute an Experian credit report?

Experian, P.O. Box 4500, Allen, TX 75013. Send a written dispute with copies of any supporting documents; Experian must investigate, generally within 30 days.

Is it better to dispute by mail or online?

Both trigger the same FCRA investigation, but mailing a letter gives you a dated paper trail and lets you include exactly the documents and wording you want — which matters if you later escalate to the CFPB or to court.

How long does the investigation take?

Generally 30 days from when the bureau receives your dispute (up to 45 in some cases). Keeping dated proof of mailing establishes when that window started.

Do I need to dispute with the other bureaus too?

Only the bureau you write to will investigate. If the same error is on more than one report, send a separate dispute to each of Equifax, TransUnion, and Innovis as well.

Sources

Addresses verified July 2026 against official sources. Always confirm on the official site before time-sensitive filings.

See all credit & consumer reporting agency addresses →

Don’t have your letter written yet? Use our free letter template →

Related pages