Equifax Dispute Sample Letter
Learn how to write a dispute letter to Equifax, an easy step-by-step guide.
Consumer reports prepared to have a lot of errors can account for a number of problems with your banking experience. Equifax is one of those companies that generate these consumer reports. In order to investigate and remove these errors from your consumer report, you will be required to send in a letter of dispute.
Having to write a dispute letter to Equifax needs to follow a very formal and professional tone. All the errors found should be noted in an orderly manner with a proper format. This can get very troubling and taxing. Therefore, iDispute has come up with the perfect guide to help you prepare your document with ease. All you need to do is follow the given instructions and get hands-on your dispute letter in no time.
You can start by filling in your name and address at the beginning of the letter. Enter the details in the following order:
● Name (eg. John Doe)
● Address Line 1 (eg. 123 Example Street)
● Address Line 2 (eg. New York, NY 12345)
Next, you can choose your Document Date (eg. 01/25/2021)
After that, you will be required to enter your personal information. Make sure to enter the details in the following order:
● Full Name (eg. John Doe)
● Social Security Number (eg. 123–45–6789)
● Date of Birth (eg. 10/30/1975)
● Address (eg. 123 Example Str, Unit 1, New York, NY 12345)
● Phone Number (eg. 123–456–7890)
● Email (eg. email@example.com)
Then, under ‘Sincerely’, you can write your First and Last name again (eg. John Doe).
Below this, you will find two empty spaces, here you need to upload your identification document:
● Upload a copy of your Driver’s License on the left side of the document;
● On the right side, upload a copy of your Social Security Card.
You can now scroll all the way to Page 3 of the document and find a table with EXHIBIT A written on the top. Fill the table according to the errors in your consumer’s report:
● An account with the dispute (eg. Creditor Example LLC) on the left and the account number on the right side (eg. Account # 1234567890);
● Debt Collector Example LLC on the left of the table and then add the reference number on the right (eg. Reference # 1234567890);
● Bank Example LLC, Unauthorized Inquiry on the left of the table and then date of inquiry on the right (eg. January 1, 2021);
● You can also dispute your Employer’s Name or Address, by entering the address on the left side (eg. 111 Example Street, Apt 1, Miami, FL 67890) and the reason for its dispute (eg. Erroneous Address).
You are free to add as many disputes on your errors, where the consumer agency is supposed to comply to your demands.
Lastly, you will have to enter your full name one more time (eg. John Doe) in the notary section. Make sure to place your signatures and get your document notarized before sending it to your respective agency.
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Here are some resources you’d find helpful:
⚖️ CHECK IF YOU HAVE BEEN IMPACTED BY AN EQUIFAX BREACHING DATA INCIDENT HERE: https://eligibility.equifaxbreachsettlement.com/en/Eligibility
If you have been impacted, you have the right to get compensation up to $20,000.00 under Equifax Data Breach Settlement (Extended Claims Period between January 23, 2020, and January 22, 2024). Not sure how to write an Equifax Data Breach Complaint? Check this video tutorial: https://www.youtube.com/watch?v=bTnbsq3zAxY or START FILING DOCUMENT HERE: https://pdf.ac/qh6MF
📝 Online notary service: https://www.idispute.org/online-notary
📬 Mail a letter online: https://www.lettercarrier.org
📊 Professional credit repair service: https://www.fixcredit.cc
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DISCLAIMER: This sample document is not intended to serve as legal counsel or advice. This sample document is intended to be used as an educational tool and readers/users are urged to retain the necessary legal counsel before implementing it. iDispute makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. iDispute makes no warranty, express or implied, and all information is provided on an as-is basis. iDispute is NOT a CPA, attorney, lender, or financial advisor. The content in this video should not be construed as tax, legal, or financial advice, etc…, and maybe outdated and/or inaccurate; it is your responsibility to verify all information yourself.