Equifax provides a dispute process to address any perceived inaccuracies on the report. The dispute process is not intended to provide the business an opportunity to dispute and request the removal of accurate historical information (positive or negative) about the business. Only that information contained in the Public Records and Bureau Data sections of the report may be changed as a result of a dispute.
You have the opportunity to provide a statement of explanation that can be added as a comment to the report. The comment may be reviewed and/or used by recipients of a business report to help understand your business's past history. Equifax may require supporting documentation.
You must have credit monitoring with Equifax to file a dispute. Disputes are filed in the Members Center by clicking Contact Us. A Research Request Form must be completed. Once the research form is complete, Equifax sends it to the reporting agency to verify. Changes can take 45-60 days.
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