Dispute Equifax Credit Report

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class="breadcrumb container mkt-breadcrumb-container"> <li class="breadcrumb-item"><a href="https://www.equifax.ca/en/"> <span class="sr-only">Home</span> <span class="far fa-home"></span></a> </li> <li class="breadcrumb-item active"><a href="https://www.equifax.ca/en/personal/">Personal</a></li> <li class="breadcrumb-item dropdown d-none"><a type="button" href="#" class="dropdown-toggle" data-toggle="dropdown" data-display="static" role="button" aria-haspopup="true" aria-expanded="false">...</a> <div class="dropdown-menu dropdown-menu-center dropdown-menu-right mkt-breadcrumb__dropdown-menu"></div></li> <li class="breadcrumb-item "><a href="https://www.equifax.ca/en/personal/dispute-credit-report/">Disputes</a></li> </ol> </div> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Canada", "item": "https://www.equifax.ca/en//" }, { "@type": "ListItem", "position": 2, "name": "Personal", "item": "https://www.equifax.ca/en/personal/" }, { "@type": "ListItem", "position": 3, "name": "Disputes", "item": "https://www.equifax.ca/en/personal/dispute-credit-report/" } ] } </script> </nav> </div> </div> </div> </section> </div> </div> <div class="layout-content portlet-layout" id="main-content" role="main"> <div class="lfr-layout-structure-item-basic-component-html lfr-layout-structure-item-fbc84231-b0f7-ff10-5b05-545d4f64d9f7 " style=""><div id="fragment-6aa12dfc-8772-221f-f323-ad15fc190be5" > <div class="component-html" data-lfr-editable-id="element-html" data-lfr-editable-type="html"><h3><p style="color:#9e1b32" align="center">Important Notice Regarding Canada Post Strike</p></h3> <p class="mb-0" align="center"> During the Canada Post service disruption, if you need to update your Equifax credit report or dispute something, please use the <a href="https://www.equifax.ca/personal/dispute-credit-report/options/"> online form</a> or call us at 1-866-828-5961. </p> </div></div><style>.component-html img { max-width: 100%; }</style></div><div class="lfr-layout-structure-item-com-liferay-journal-content-web-portlet-journalcontentportlet lfr-layout-structure-item-17e68ccd-b31f-f454-90cb-c5cdf3398c34 " style=""><div id="fragment-8e184cb7-e06f-049e-9a18-5b0bd274fbe0" > <div class="portlet-boundary portlet-boundary_com_liferay_journal_content_web_portlet_JournalContentPortlet_ portlet-static portlet-static-end portlet-decorate portlet-journal-content " id="p_p_id_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_rmou_"> <span id="p_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_rmou"></span> <section class="portlet" id="portlet_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_rmou"> <div class="portlet-content"> <div class="autofit-float autofit-row portlet-header"> <div class="autofit-col autofit-col-expand"> </div> <div class="autofit-col autofit-col-end"> <div class="autofit-section"> <div class="visible-interaction"> </div> </div> </div> </div> <div class=" portlet-content-container"> <div class="portlet-body"> <div class="" data-fragments-editor-item-id="20133-51628561" data-fragments-editor-item-type="fragments-editor-mapped-item" > <div class="journal-content-article " data-analytics-asset-id="5967212" data-analytics-asset-title="post-strike-alert" data-analytics-asset-type="web-content" data-analytics-web-content-resource-pk="51628561"> <div class="bg-primary text-white text-center px-3 py-4"> <div class="container"> <h3><img alt="" src="https://assets.equifax.com/marketing/canada/images/icons/info_alert.png" /> Important Notice Regarding Canada Post Strike</h3> <p class="m-0 mx-auto" style="max-width: 1000px;">During the Canada Post service disruption, if you need to update your Equifax credit report or dispute an inquiry, please use the <a href="https://www.equifax.ca/personal/dispute-credit-report/options/" style="color:#ffffff; text-decoration: underline;"> online form</a> or call us at 1-800-871-3250.</p> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div></div><div class="lfr-layout-structure-item-63bd924d-868c-9145-01df-ca93dfdeb40a lfr-layout-structure-item-container " style=""><div class="lfr-layout-structure-item-com-liferay-journal-content-web-portlet-journalcontentportlet lfr-layout-structure-item-3664eeef-3434-50a0-c1d1-a89a05beefc9 " style=""><div id="fragment-701f1991-51dd-c91c-104c-97fa132c7885" > <div class="portlet-boundary portlet-boundary_com_liferay_journal_content_web_portlet_JournalContentPortlet_ portlet-static portlet-static-end portlet-decorate portlet-journal-content " id="p_p_id_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_hyka_"> <span id="p_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_hyka"></span> <section class="portlet" id="portlet_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_hyka"> <div class="portlet-content"> <div class="autofit-float autofit-row portlet-header"> <div class="autofit-col autofit-col-expand"> </div> <div class="autofit-col autofit-col-end"> <div class="autofit-section"> <div class="visible-interaction"> </div> </div> </div> </div> <div class=" portlet-content-container"> <div class="portlet-body"> <div class="" data-fragments-editor-item-id="20133-37148296" data-fragments-editor-item-type="fragments-editor-mapped-item" > <div class="journal-content-article " data-analytics-asset-id="4018167" data-analytics-asset-title="dispute-hero" data-analytics-asset-type="web-content" data-analytics-web-content-resource-pk="37148296"> <div class="d2c-hero py-4 py-lg-5 container-fluid--breakout" style="color: #000000; background-color: #E5EBED;"> <div class="container px-3"> <div class="d-flex flex-column flex-lg-row align-items-center justify-content-center"> <div class="d2c-hero__img d-none d-lg-block mb-4 mb-lg-0 order-lg-1 col-lg-6 text-center"> <img src="https://assets.equifax.com/marketing/canada/images/banners/new_website_dispute_banner_651x440.jpg" alt="dispute" class="img-fluid" > </div> <div class="d2c-hero__img d-lg-none mb-4 mb-lg-0 order-lg-1 col-lg-6 text-center"> <img src="https://assets.equifax.com/marketing/canada/images/banners/new_website_dispute_banner_651x440.jpg" alt="dispute" class="img-fluid" > </div> <div class="d2c-hero__body d-flex flex-column col-lg-6"> <div class="efx-eyebrow">Dispute</div> <h1 class="d2c-hero__title">How to dispute information on your Equifax credit report</h1> <div class="d2c-hero__text"><p>You can file a dispute online or by mail — for free.</p></div> <div class="d2c-hero__cta-container d-flex flex-row justify-content-center justify-content-lg-start"> <a href="/en/personal/dispute-credit-report/options/" target="_self" class="d2c-hero__cta btn d2c-ca-btn d2c-ca-btn--primary">Start Your Dispute</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div></div></div><div class="lfr-layout-structure-item-basic-component-spacer lfr-layout-structure-item-e73c3d22-dd1a-1086-c43d-1cc22478b9eb " style=""><div id="fragment-3d45fcfd-70eb-02dc-805d-1e031c6a907e" > <div class="py-3"></div></div></div><div class="lfr-layout-structure-item-8b49fa20-2cfd-50d8-fcb4-37600e544f6f lfr-layout-structure-item-container container-fluid container-fluid-max-xl" style=""><div class="lfr-layout-structure-item-com-liferay-journal-content-web-portlet-journalcontentportlet lfr-layout-structure-item-57d72c19-21a9-a2a0-b297-ef085342e25d " style=""><div id="fragment-5ad432d3-0631-a0b9-c71b-5c90b6c5cf2b" > <div class="portlet-boundary portlet-boundary_com_liferay_journal_content_web_portlet_JournalContentPortlet_ portlet-static portlet-static-end portlet-decorate portlet-journal-content " id="p_p_id_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_effq_"> <span id="p_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_effq"></span> <section class="portlet" id="portlet_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_effq"> <div class="portlet-content"> <div class="autofit-float autofit-row portlet-header"> <div class="autofit-col autofit-col-expand"> </div> <div class="autofit-col autofit-col-end"> <div class="autofit-section"> <div class="visible-interaction"> </div> </div> </div> </div> <div class=" portlet-content-container"> <div class="portlet-body"> <div class="" data-fragments-editor-item-id="20133-35219464" data-fragments-editor-item-type="fragments-editor-mapped-item" > <div class="journal-content-article " data-analytics-asset-id="3965420" data-analytics-asset-title="How-do-I-Submit-Dispute-Section" data-analytics-asset-type="web-content" data-analytics-web-content-resource-pk="35219464"> <style type="text/css">.dp-wrapper { min-height: 450px; background-color: #daf1fb; border-radius: 1.5rem; } .efx-container { max-width: 1140px; margin: 0 auto; } .dp-title { font-size: 2.35rem !important; line-height: 42px; font-family: "Open Sans", sans-serif; color: #333e48; } .dp-lead { font-size: 1.2rem !important; font-weight: 500 !important; font-family: "Open Sans", sans-serif; line-height: 26px; } .list-container { padding: 0 0 0 2rem !important; margin-bottom: 1rem !important; } .fw-bold { font-weight: 700 !important; } </style> <div class="container px-3 py-3"> <div class="row dp-wrapper p-4 m-0 m-sm-0"> <div class="col-12 align-content-center"> <h4 class="fw-bold dp-title pb-4">How do I submit a dispute?</h4> </div> <div class="col-12 pb-4 "> <p class="text-left dp-lead efx-content-copy">If you see information on your Equifax credit report that you believe is inaccurate or incomplete, you have two options:</p> <div class="list-container"> <ol class="list-group"> <li class="text-left dp-lead pb-xs-2">Receive a dispute form by email and submit it online.</li> <li class="text-left dp-lead pb-xs-2">Download and print a dispute form and mail it, with copies of all required documents, to this address:</li> </ol> </div> </div> <div class="col--md-4 col-xs-10"> <p class="text-left m-0 px-4 fw-bold dp-lead">Equifax Canada Co.</p> <p class="text-left m-0 px-4 dp-lead">National Consumer Relations.</p> <p class="text-left m-0 px-4 dp-lead">Box 190</p> <p class="text-left m-0 px-4 dp-lead">Montreal, Quebec H1S 2Z2</p> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div></div><div class="lfr-layout-structure-item-com-liferay-journal-content-web-portlet-journalcontentportlet lfr-layout-structure-item-cc4e75a6-8140-f16b-3a4f-a830e2710a74 " style=""><div id="fragment-f52ec648-a46b-e44e-9d06-c001af3f266e" > <div class="portlet-boundary portlet-boundary_com_liferay_journal_content_web_portlet_JournalContentPortlet_ portlet-static portlet-static-end portlet-decorate portlet-journal-content " id="p_p_id_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_oiho_"> <span id="p_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_oiho"></span> <section class="portlet" id="portlet_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_oiho"> <div class="portlet-content"> <div class="autofit-float autofit-row portlet-header"> <div class="autofit-col autofit-col-expand"> </div> <div class="autofit-col autofit-col-end"> <div class="autofit-section"> <div class="visible-interaction"> </div> </div> </div> </div> <div class=" portlet-content-container"> <div class="portlet-body"> <div class="" data-fragments-editor-item-id="20133-40203943" data-fragments-editor-item-type="fragments-editor-mapped-item" > <div class="journal-content-article " data-analytics-asset-id="4105706" data-analytics-asset-title="What-should-I-expect-after-filing-a-dispute" data-analytics-asset-type="web-content" data-analytics-web-content-resource-pk="40203943"> <div class="efx-content_wrapper efx-bg-white"> <div class="efx-container container-fluid"> <a class="anchor-link" id=""></a> <div class="row"> <div class="col-12 col-lg-6 order-lg-2"> <div class="efx-content_icon-wrapper"><img src="//assets.equifax.com/images/canada/personal-misc/icon_expect.svg" alt="" /></div> </div> <div class="col-12 col-lg-6 order-lg-1"> <h3 class="efx-content_title "><b>What can I expect after filing a dispute?</b></h3> <p class="efx-content_copy"><div class="efx-content_copy">Once you've filed your dispute documents online or by mail, you can expect the following: </br></br> <div class="d-flex align-items-start flex-row"> <img style="padding-top:3px" width="20px" src="//assets.equifax.com/global/images/icons/green_checkmark.svg" /> <p class="pl-2 text-left"> <strong>We’ll investigate your dispute</strong></br> If we’re able to make changes on your credit report based on the information you provided, we’ll do so. Otherwise, we’ll contact the company that reported the information to us to verify the accuracy of the information you're disputing. </p> </div> <div class="d-flex align-items-start flex-row"><img style="padding-top:3px" width="20px" src="//assets.equifax.com/global/images/icons/green_checkmark.svg"> <p class="pl-2 text-left"><strong>We’ll process your dispute in about 15-20 days for online submissions and 20-25 days for mailed submissions</strong></br> We’ll notify you if we need more information to complete our investigation. After we complete the investigation, we’ll send you a confirmation letter with the results. If you submitted your dispute online, we’ll notify you by email. If you mailed your completed form and documents, we’ll notify you by mail. </p> </div></div></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div></div><div class="lfr-layout-structure-item-basic-component-separator lfr-layout-structure-item-7bb2e2c8-3507-a5e2-0f33-63e3b27f1f2f " style=""><div id="fragment-3bcf3253-089c-fddf-94c8-618780587904" > <div class="component-separator"> <hr class="m-0 pb-3 "> </div></div></div><div class="lfr-layout-structure-item-com-liferay-journal-content-web-portlet-journalcontentportlet lfr-layout-structure-item-0ca3b023-f1a2-62a9-0782-364cec39132f " style=""><div id="fragment-28018518-45ef-14f5-6f2d-37134d9b63b8" > <div class="portlet-boundary portlet-boundary_com_liferay_journal_content_web_portlet_JournalContentPortlet_ portlet-static portlet-static-end portlet-decorate portlet-journal-content " id="p_p_id_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_jpiw_"> <span id="p_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_jpiw"></span> <section class="portlet" id="portlet_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_jpiw"> <div class="portlet-content"> <div class="autofit-float autofit-row portlet-header"> <div class="autofit-col autofit-col-expand"> </div> <div class="autofit-col autofit-col-end"> <div class="autofit-section"> <div class="visible-interaction"> </div> </div> </div> </div> <div class=" portlet-content-container"> <div class="portlet-body"> <div class="" data-fragments-editor-item-id="20133-40203953" data-fragments-editor-item-type="fragments-editor-mapped-item" > <div class="journal-content-article " data-analytics-asset-id="4105720" data-analytics-asset-title="What-documents-do-I need-to-have-dispute" data-analytics-asset-type="web-content" data-analytics-web-content-resource-pk="40203953"> <div class="efx-content_wrapper efx-bg-white"> <div class="efx-container container-fluid"> <a class="anchor-link" id=""></a> <div class="row"> <div class="col-12 col-lg-6 order-lg-2"> <div class="efx-content_icon-wrapper"><img src="//assets.equifax.com/images/canada/personal-misc/icon_docs.svg" alt="" /></div> </div> <div class="col-12 col-lg-6 order-lg-1"> <h3 class="efx-content_title "><b>What documents do I need to submit?</b></h3> <p class="efx-content_copy">When you file a dispute, the documentation you need to provide depends on what information you’re disputing. Here are some examples of documents we may need during our investigation: <div class="efx-content_copy text-left"> <strong>Personal information</strong> <ul class="text-left"> <li><strong>2 valid government-issued ID (front and back)</strong> confirming your legal name, date of birth, and/or current address (e.g., driver's license, passport, birth certificate, etc.). If the current address is not indicated, you must also provide;</li> <li><strong>1 proof of address (dated less than 90 days old)</strong> confirming your legal name and current address. (e.g., utility bills or financial statements.) </li> </ul> <strong >Account information</strong> <ul class="text-left"> <li>Current bank statements with account information</li> <li>Letters from a creditor supporting your claim</li> <li>Proof that an account was created through or impacted by identity theft</li> <li>Letter from creditor/lender confirming the status, ownership, and details of the account (e.g. last 4 digits of the account number, amount, paid/settled, etc.)</li> </ul> <strong>Other information</strong> <ul class="text-left"> <li>Bankruptcy discharge or other court documents</li> <li>Release letters from lenders, collection agencies or satisfaction of judgment</li> <li>Please refer to the instructions provided on your dispute request form for additional requirements </li> </ul> <br/> When filing a dispute, it’s helpful to include the Equifax Reference Number provided on your Equifax credit report, if available. </div></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div></div><div class="lfr-layout-structure-item-basic-component-separator lfr-layout-structure-item-a6790a04-1ff6-3013-5f43-584d34ce2093 " style=""><div id="fragment-1f7c6ccd-2bec-ba87-705f-d046a7680c89" > <div class="component-separator"> <hr class="m-0 pb-3 "> </div></div></div></div><div class="lfr-layout-structure-item-08aff7c6-a8e4-bc9f-5bb4-11861ff87988 lfr-layout-structure-item-container " style=""><div class="lfr-layout-structure-item-com-liferay-journal-content-web-portlet-journalcontentportlet lfr-layout-structure-item-807d9177-a69e-7105-554c-165c6c261443 " style=""><div id="fragment-fa9ae1ae-9c79-7cec-5a26-b83d455df858" > <div class="portlet-boundary portlet-boundary_com_liferay_journal_content_web_portlet_JournalContentPortlet_ portlet-static portlet-static-end portlet-decorate portlet-journal-content " id="p_p_id_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_sweq_"> <span id="p_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_sweq"></span> <section class="portlet" id="portlet_com_liferay_journal_content_web_portlet_JournalContentPortlet_INSTANCE_sweq"> <div class="portlet-content"> <div class="autofit-float autofit-row portlet-header"> <div class="autofit-col autofit-col-expand"> </div> <div class="autofit-col autofit-col-end"> <div class="autofit-section"> <div class="visible-interaction"> </div> </div> </div> </div> <div class=" portlet-content-container"> <div class="portlet-body"> <div class="" data-fragments-editor-item-id="20133-35219474" data-fragments-editor-item-type="fragments-editor-mapped-item" > <div class="journal-content-article " data-analytics-asset-id="3965474" data-analytics-asset-title="FAQ-Dispute" data-analytics-asset-type="web-content" data-analytics-web-content-resource-pk="35219474"> <div class="d2c-regulated-collapse container-fluid--breakout py-5 py-xl-6" style="background-color: #F8F9FA"> <div class="container px-3" style="max-width: 1282px;"> <div class="text-center pb-4"> <h2 class="d2c-collapse__title m-0">What you need to know</h2> </div> <div class="row justify-content-center"> <div class="col-12"> <div class="d2c-collapse" id="accordion3965474"> <div class="d2c-collapse__item bg-white mb-3 mb-xl-4"> <h2 class="d2c-collapse__item-header" id="heading39654741"> <button type="button" data-toggle="collapse" data-parent="#accordion3965474" href="#collapseExpandable39654741" aria-expanded="false" aria-controls="collapseExpandable39654741" class="btn btn-block text-dark text-left d2c-collapse__toggle font-weight-bold collapsed" onclick="trackfaqQuestion('How can I add a statement to my Equifax credit file?', '1');">How can I add a statement to my Equifax credit file? <span class="fa fa-chevron-down ml-5 d2c-collapse__toggle-icon" aria-hidden="true"></span></button> </h2> <div id="collapseExpandable39654741" class="collapse" aria-labelledby="heading39654741"> <div class="d2c-collapse__item-body"> <p><span>If you disputed an item and the investigation did not resolve the dispute, you have the right to add a statement to your credit file that is 800 <span>characters</span> or less, free of charge, explaining the nature of your dispute. If your statement is 800 characters or less, it will added to your credit file, and will be included each time your credit file is accessed.</span></p> <p><span>Please send your statement in writing to Equifax, along with your name, address, date of birth and phone number. You will also need to provide photocopies of two valid pieces of identification. If you have the Equifax Unique Number from your credit report, that is also helpful. </span></p> <p><span>Mail</span></p> <p><span>Equifax Canada Co.</span></p> <p><span>National Consumer Relations</span></p> <p><span>Box 190</span></p> <p><span>Montreal, Quebec H1S 2Z2</span></p> <p><br /> <span>To remove the consumer statement, you must also do so by writing to the above address.</span></p> </div> </div> </div> <div class="d2c-collapse__item bg-white mb-3 mb-xl-4"> <h2 class="d2c-collapse__item-header" id="heading396547411"> <button type="button" data-toggle="collapse" data-parent="#accordion3965474" href="#collapseExpandable396547411" aria-expanded="false" aria-controls="collapseExpandable396547411" class="btn btn-block text-dark text-left d2c-collapse__toggle font-weight-bold collapsed" onclick="trackfaqQuestion('How long does information stay on my Equifax credit file?', '2');">How long does information stay on my Equifax credit file? <span class="fa fa-chevron-down ml-5 d2c-collapse__toggle-icon" aria-hidden="true"></span></button> </h2> <div id="collapseExpandable396547411" class="collapse" aria-labelledby="heading396547411"> <div class="d2c-collapse__item-body"> <p><span>There are timeframes for how long different types of information may remain on your Equifax credit report.</span></p> <p><span><b>Inquiries to the credit file</b></span></p> <p><span>An inquiry made on the credit file will automatically purge three (3) years from the date of the inquiry.</span></p> <p><span><b>Credit history and banking information</b></span></p> <p><span>A credit account will automatically purge from the file six (6) years from date of last activity. Negative banking information related to chequing or savings accounts will automatically purge from the file six (6) years from the date reported.</span></p> <p><span><b>Credit Counselling Services </b></span></p> <p><span>If you engage in a Debt Management Program (DMP) with a credit counselling agency, it will automatically purge from the file two (2) years from the date the DMP is paid in full or six (6) years from the start date of the DMP, whichever occurs first.</span></p> <p><span><b>Registered Consumer Proposal, Voluntary Deposit - Orderly Payment of Debts</b></span></p> <p><span>A registered consumer proposal, voluntary deposit, and orderly payment of debts is purged three (3) years from the date paid or six (6) years from the date filed, whichever occurs first.</span></p> <p><span><b>Bankruptcy</b></span></p> <p><span>A bankruptcy will automatically purge six (6) years from the date of discharge in the case of a single bankruptcy. If the consumer declares more than one bankruptcy, each bankruptcy will remain on the file fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating “included in bankruptcy” and will purge six (6) years from the date of last activity.</span></p> <p><span><b>Judgments</b></span></p> <p><span>A judgment will automatically purge from the file six (6) years from the date the judgment was filed.</span></p> <p><span><b>Collection Accounts </b></span></p> <p><span>A collection account under public records will automatically purge from the file six (6) years from the date of first delinquency on the account (typically when it went to collection).</span></p> <p><span><b>Secured Loans </b></span></p> <p><span>A secured loan will automatically purge from the file six (6) years from the date filed.</span></p> <p> </p> </div> </div> </div> <div class="d2c-collapse__item bg-white mb-3 mb-xl-4"> <h2 class="d2c-collapse__item-header" id="heading3965474111"> <button type="button" data-toggle="collapse" data-parent="#accordion3965474" href="#collapseExpandable3965474111" aria-expanded="false" aria-controls="collapseExpandable3965474111" class="btn btn-block text-dark text-left d2c-collapse__toggle font-weight-bold collapsed" onclick="trackfaqQuestion('What if I started my dispute with a creditor?', '3');">What if I started my dispute with a creditor? <span class="fa fa-chevron-down ml-5 d2c-collapse__toggle-icon" aria-hidden="true"></span></button> </h2> <div id="collapseExpandable3965474111" class="collapse" aria-labelledby="heading3965474111"> <div class="d2c-collapse__item-body"> <p>If you decide to submit a dispute directly with a business, they will conduct an investigation and will send you the results of the investigation. They will notify Equifax of any changes that need to be made to the credit report as a result of the investigation.   </p> </div> </div> </div> </div> </div> </div> </div> </div> <script> function trackfaqQuestion(t, e) { Analytics.trackEvent("faqQuestionEngaged", { faqQuestionEngaged: t, faqQuestionPosition: e }) } </script> </div> </div> </div> </div> </div> </section> </div> </div></div></div> </div> <form action="#" aria-hidden="true" class="hide" id="hrefFm" method="post" name="hrefFm"><span></span><button hidden type="submit">Hidden</button></form> </section> <footer class="efx-site-footer py-4" role="contentinfo"> <nav class="efx-site-footer__links accordion mb-md-4" id="footerLinks" aria-label="Footer" role="navigation"> <div class="container"> <div class="row row-cols-1 row-cols-md-5"> <div class="col"> <div class="efx-site-footer__links-group"> <div id="footerNavList-4007443-0"> <button class="btn btn-block text-left py-3 px-0 text-white efx-site-footer__links-toggle 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