California Credit Report Disputes

FCRA & CCRAA Dispute Letter Generator

1
Bureaus
2
Your Info
3
Errors
4
Accounts
5
Generate

Which Credit Bureaus Are Reporting Errors?

Select all bureaus showing incorrect information. You may need to send separate disputes to each.

Equifax

P.O. Box 740256
Atlanta, GA 30374

Experian

P.O. Box 4500
Allen, TX 75013

TransUnion

P.O. Box 2000
Chester, PA 19016

Why Dispute to All Three?

Each bureau maintains separate files. An error on one may or may not appear on others. We recommend pulling your free annual reports from all three at AnnualCreditReport.com and disputing to each bureau showing errors.

Your Information

Important: Include a copy of your driver's license or state ID and a recent utility bill or bank statement showing your current address. This helps verify your identity and prevents delays.

What Types of Errors Are on Your Report?

Your Rights Under FCRA & CCRAA

  • FCRA (Federal): Bureaus must investigate within 30 days and correct or delete inaccurate information
  • CCRAA (California): Provides additional protections including statutory damages of $100-$5,000 per violation
  • Both: Allow you to sue for actual damages, attorney fees, and punitive damages for willful violations

Disputed Account Details

Enter details for each account you're disputing. Be as specific as possible.

Generate Your Dispute Documents

Credit Dispute Timeline

1
Send Dispute (Today)

Mail dispute via certified mail, return receipt requested

2
Bureau Investigation (30 days)

Bureau must investigate and respond within 30 days (45 if you provide additional info)

3
Results Notification

Bureau must notify you of results and provide free updated report if changed

4
If Not Resolved

Request method of verification, file CFPB complaint, or consult attorney

Select the documents you want to generate:

Dispute Letters

Formal dispute letters to each selected credit bureau

Method of Verification Request

Request proof of how the bureau verified disputed info

Direct Dispute to Furnisher

Letter directly to the company reporting the information

CFPB Complaint Draft

Draft complaint to Consumer Financial Protection Bureau

Important: Send all disputes via certified mail with return receipt requested. Keep copies of everything including the green return receipt cards. This creates proof of delivery if you need to take legal action later.

Your Dispute Documents

Mailing Addresses

  • Equifax: P.O. Box 740256, Atlanta, GA 30374
  • Experian: P.O. Box 4500, Allen, TX 75013
  • TransUnion: P.O. Box 2000, Chester, PA 19016

Include with your letter: Copy of ID, proof of address, and any supporting documents

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Find a Lawyer in Your California City

San Francisco San Jose Sacramento Oakland Riverside Fresno Long Beach Bakersfield Anaheim Santa Ana

Free legal assessments, demand letter generators, and courthouse info for your city.