Links
The Fair Credit Reporting Act
The Federal Trade Commission (FTC)
Credit Reporting Agencies (CRAs)
They change their phone numbers on an irregular basis.
If the provided numbers don't work, let me know, and/or check your credit report.
Be warned that wait times may be extreme on the phone. Equifax's dispute line took me 87 minutes, but the
operator was extremely friendly and helpful once I finally got through.
Equifax
- Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
- Equifax Disputes
P.O. Box 740256
Atlanta, GA 30374
- 866-505-2180 (Dispute number from credit report, 4/2008)
- www.equifax.com
Experian
- Experian
P.O. Box 2104
Allen, TX 75013
- 800-509-8495 (Dispute number from credit report, 4/2008)
- www.experian.com
Transunion
Free Credit Reports
- https://www.annualcreditreport.com.
There are several other sites that claim to offer the same service; some
of them are trying to steal your social security number. This is the site
linked to by the FTC, and is not a scam. Make sure you print all three
reports. You don't need to buy *anything* extra; if they ask you to sign
up for a service, or offer you an additional service, decline.
- Call the FTC. 1-877-322-8228 is the number for this service.
- Complete this form (PDF)
and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
FCRA Enforcement
Taken from a Transunion report, 4/2008 States may have their own additional laws, which may help
even more. To find out about these, contact your state or local consumer protection agency, or your
state Attorney General's office. This is the Federal enforcement list.
-
CRAs, Creditors, General Enforcement
Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580
1-877-382-4357
-
National banks, federal branches of foreign banks
("National" or "NA" appears after institution's name)
Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219
800-613-6743
-
Federal Reserve System member banks
Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551
202-452-3693
-
Savings associations and federally chartered savings banks
("Federal" or "FSB" appears in the institution's name)
Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552
800-842-6929
-
Federal credit unions
National Credit Union Administration
1775 Duke St
Alexandria, VA 22314
703-519-4600
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