Credit, Decoded · Credit Bureau Disputes

Bureau Disputes, Handled. Three Referees. One Rulebook. We Work All Three.

Equifax, Experian, and TransUnion are three separate companies keeping three separate versions of your file — and they don’t agree with each other. That disagreement is the problem and the opportunity. Here is how The 800 Club makes all three prove what they’re saying about you — and the desks, addresses, and clocks we work to do it.

The short answer

A credit bureau dispute makes Experian, Equifax, or TransUnion verify an item; under the FCRA, what can’t be verified as accurate must come off. The right is yours, free. The 800 Club’s in-house team runs it for you — every item, at every bureau reporting it, every cycle — built as a case, filed, clocked, and escalated.

Written and reviewed by Christopher Blanco, Founder of The 800 Club · Reviewed August 2026

Experian · Equifax · TransUnion — Addresses, Phones, Portals.

Bureau	Online	Mailing address for disputes	Phone
Equifax	equifax.com/personal/credit-report-services/credit-dispute	Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256	866-349-5191
Experian	experian.com/disputes	Experian, P.O. Box 4500, Allen, TX 75013	888-397-3742
TransUnion	transunion.com/credit-disputes/dispute-your-credit	TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000	800-916-8800

The address and number printed on your current report control if they ever differ from these — we check every time. All three accept disputes online, by mail, and by phone. We file at the door each case needs, separately at each bureau reporting the error, and track three clocks that will never coordinate with each other.

FCRA §611 — The Reinvestigation Clock.

Once a dispute is filed, the bureau must run a reasonable reinvestigation, usually within 30 days (45 in some cases): it forwards the dispute to the furnisher, the furnisher must check and respond, and anything that can’t be verified must be corrected or deleted. Results come in writing, plus a free updated report when something changes. This right is yours, free, forever — and using it costs the bureaus money, which is why the process rewards precision and persistence. That is the job we do: we log the receipt date on every item, count the days, and hold each bureau to its own clock.

How We Build A Dispute That Wins.

One item, one dispute, one clear claim. “This account reports a $4,120 balance; the attached statement shows $1,890” is a case; “this is wrong, remove it” is a wish. That is how our team writes every dispute. The proof rides with it — statements, letters, the ID pages the bureaus require before their clock starts — and the same error is filed at each bureau that shows it, because fixing Equifax fixes nothing at Experian. When the error lives in the account detail, the case also goes to the furnisher, which carries its own FCRA §623 duty to investigate. Every confirmation number and every response is logged: the paper trail is the weapon, and we keep it.

When A Bureau Rubber-Stamps, We Escalate.

“Verified” three weeks later with no evidence is a common first response. Our ladder, in order: a re-dispute built on new documentation (a repeat of the same claim can be dismissed as frivolous — new evidence resets the duty); a written demand for the method of verification; a direct dispute to the furnisher under §623; and a CFPB complaint — bureaus answer regulator complaints with a diligence the web portal never sees. Files with years of tangle across all three bureaus are exactly why done-for-you repair exists.

Asked Constantly — Answered Once.

Do I have to dispute with all three credit bureaus?

Any error that appears on more than one report has to be disputed at each bureau reporting it — fixing Equifax fixes nothing at Experian or TransUnion. Each bureau runs its own file and its own clock. Our team pulls all three, files the same error at every bureau that shows it, and tracks the three investigations independently.

How long does a credit bureau have to respond to a dispute?

Generally 30 days from receipt, extended to 45 if additional information is sent mid-investigation. The bureau must forward the dispute to the furnisher, get a response, and deliver results in writing. If they miss the window, the item is unverified and must come off.

Where do you send a credit bureau dispute?

Equifax: Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256, 866-349-5191. Experian: P.O. Box 4500, Allen, TX 75013, 888-397-3742. TransUnion: TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000, 800-916-8800. All three also take disputes online. The address on your current report controls if it differs — and our team files at whichever door each case needs.

What happens if a credit bureau says an item is verified but it is wrong?

We escalate — a rubber-stamp is a first response, not a final one. A re-dispute built on new evidence, a written demand for the method of verification, a direct dispute to the furnisher under its own FCRA duty, and a CFPB complaint. Regulator complaints get a level of attention the web portal never sees.

Bureau Disputes, Handled. Three Referees. One Rulebook. We Work All Three.

Experian · Equifax · TransUnion — Addresses, Phones, Portals.

FCRA §611 — The Reinvestigation Clock.

How We Build A Dispute That Wins.

When A Bureau Rubber-Stamps, We Escalate.

Asked Constantly — Answered Once.

Credit Repair, Handled

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Make All Three Prove It. That’s The Whole Game.