How to Raise a Dispute on Your Equifax Credit Report

Spotting something wrong on your Equifax report, a wrong personal detail, an account that isn't yours, or a status that doesn't match reality, is unsettling enough on its own. What makes it worse is not knowing where to actually send that correction request, or which of the several routes available is the one worth your time.

This guide walks through both. We'll start with Equifax's own dispute system, since it's the official channel and the first place most people land. Then we'll get into the approach we actually recommend when that system feels slower or clunkier than it should, a direct, well-documented email using our drafting tool.

Equifax's Online Dispute Portal

Equifax runs its dispute process through two linked pages, one to raise a dispute, one to track it afterward.

Raise an Online Dispute

Opening this page puts you straight into a form, and it starts by asking for your identity exactly as it appears on your report, First Name and Last Name are required, Middle Name is optional. Below that comes a section for contact and consumer ID details: Home Phone, Mobile Phone (Email ID is mandatory), and your Equifax Report Order Number, which is also required. A Date of Report field sits alongside it, though it's optional. Worth noting, at least one of these identifying fields needs to be filled correctly, and Equifax is clear that everything you enter should match your report word for word, since a mismatch here can hold up the whole dispute before it even gets categorised.

Once your identity checks out, the form moves to Dispute Details, where you choose which section of the report your issue falls under, Personal Information, ID & Contact Information, Employment Information, or Account Information. From there, a set of comment options narrows things down further, depending on which section you picked, things like "Account Information Incorrect," "Account Reflecting Multiple Times," or "Does Not Belong to Me." This is the same kind of categorisation you'd see on CIBIL's dispute form, just organised a little differently.

The RBI Compensation Clause

Here's a section worth actually reading rather than skimming past. Under the RBI's Credit Information Reporting Directions dated January 6, 2025, you're entitled to ₹100 for every calendar day your complaint stays unresolved beyond 30 days from when you first raised it with the credit institution or bureau. To make that compensation payable if it comes to that, the form asks for your Beneficiary Name, Bank Account Number, IFSC Code, Bank Name, and City/State, or, alternatively, just a UPI ID and the mobile number linked to it. There's also a straightforward opt-out, "No, I do not require compensation," if you'd rather skip that section entirely.

Submit the form, and on the next screen you'll get a Case ID. Save that number somewhere safe, it also lands in your email, but it's worth not relying on that alone.

Track Your Dispute

Once it's filed, checking status is simple enough, the Track Your Dispute page just asks for your Case ID and Email ID, and pulls up wherever things currently stand.

Where the Portal Falls Short

Compared to how CIBIL's dispute flow is set up, Equifax's version takes noticeably more steps to get through, and the interface itself feels dated next to what other bureaus offer. None of that makes it unusable, plenty of disputes do go through this way, but if you'd rather not wrestle with a clunky form, there's a faster route that works just as well.

The Email Route: Our Drafting Tool

This is the method we point people toward first, honestly, because it skips the portal entirely and puts your dispute directly in front of the people who can actually act on it. Open our /drafting-tool, select Credit Bureau, then Individual, then Equifax, and pick whichever issue type actually matches what's wrong on your report.

To show exactly how this works, let's walk through one real example, a loan that's been fully repaid but is still showing as "Settled" instead of a clean closure, which is the same kind of incorrect remark we've covered removing from a CIBIL report. Fill in your details, Equifax Report Order Number, name, PAN, Aadhaar, mobile number, address, plus the account specifics: Bank/NBFC name, Account Type, Account Number, Date of Sanction, and the date you actually cleared the dues. Here's the kind of email the tool puts together:

To: nodalofficer@equifax.com, complaints@equifax.com

Subject: Dispute Regarding Settled Loan Account on Equifax Report - Equifax Report Order Number: 2446475481

Dear Equifax Team,

I am writing to formally dispute the 'Settled' status of my Loan account appearing on my Equifax Credit Information Report (CIR). My personal details and report information are as follows: Name: Rahul Sharma, Address: 75C Purana Mandir, Old Delhi - 155421, PAN: KKAPN9874N, Aadhar Number: 8945 12657 4521, Mobile Number: 9804898456, Equifax Report Order Number: 2446475481.

The details of the disputed account are as follows:
Bank/NBFC Name: Punjab National Bank
Account Type: Loan
Account Number: 5444415544
Date of Sanction: 2022-04-20

I confirm that I have made full payment towards this account on 2026-06-18, and the dues stand cleared in entirety.

Since the account has been fully paid, I request that you investigate this matter with the concerned member institution and ensure that the 'Settled' status is corrected, with the account's status/remark field reported as Nil/Blank, and no adverse remark of 'Settled' or any similar negative status, within the stipulated timeframe under the applicable regulations.

Relevant supporting documents are attached for your reference.

Kindly confirm in writing the exact status that will be reported to the credit bureaus, and provide an update on the resolution of this matter at your earliest convenience.

Thank you for your prompt attention to this urgent matter.

Sincerely,
Rahul Sharma

A few things worth calling out about that email, regardless of what your actual dispute is: it's always addressed to both the Nodal Officer and the Principal Nodal Officer together, never just one, this matters, since a complaint sitting only with the general Nodal desk can end up taking longer if it needs escalating internally anyway. It also asks Equifax to confirm in writing exactly what will replace the incorrect entry, which closes off any ambiguity about whether "corrected" actually means removed, blanked, or just relabelled.

Attach whatever supporting documents fit your specific case, a loan closure letter or NOC for a settled-status issue, ID proof for a personal-detail mismatch, or a "not mine" declaration for an unrecognised account. The stronger the paper trail, the faster this tends to move, whatever the underlying issue.

After You've Sent the Email

A response usually arrives within a week to ten days if things are moving normally. If you're met with silence, a short, polite follow-up quoting your original email date is often all it takes to get things unstuck, a lot of these delays come down to volume, not neglect.

Should a month go by without any real resolution, that's your cue to bring in CPGRAMS. Rather than drafting that complaint from scratch, our /escalation page has a CPGRAMS option that mirrors the drafting tool's format, just with two extra fields asking when you first reached out and what response you've received so far. It puts together a formal letter you can file along with your documents and a copy of the original email, and remember, this is also the point where that ₹100-a-day compensation clause starts becoming relevant if you opted in when filing through Equifax's own portal.

If CPGRAMS doesn't bring a resolution either, the RBI Ombudsman is the next and final step. It's on the same /escalation page, just select RBI Ombudsman, and it'll carry forward everything you've already documented into that complaint.

Don't Skip the Bank or NBFC

It bears repeating here as much as it does for any other bureau, Equifax cannot unilaterally change what's on your report. Every correction has to be confirmed by whichever bank or NBFC originally reported the account. Always reach out to that institution directly, alongside the Equifax dispute, it often shortens the whole process, since the correction ultimately has to come from their end regardless of what Equifax does on their side.

The Same Process, Any Issue Type

We used a settled loan here purely to show how the drafting tool works end to end, but the process holds for every category on that Dispute Details list, Personal Information errors, ID mismatches, employment details, a duplicate or unrecognised account, an inquiry you don't recognise, or anything else under Account Information. Pick the right section, choose the comment that matches your situation, fill in the specifics, and follow the same email-first, then-CPGRAMS, then-RBI-Ombudsman sequence regardless of what exactly is wrong on your file.

The Takeaway

Equifax's dispute portal works, but it asks more of you than it needs to, more fields, more clicks, and a track record of moving slower than it should. A direct, well-documented email to both Nodal Officers usually gets you further, faster. Give it a week or two, follow up once if needed, and escalate through CPGRAMS and then the RBI Ombudsman if a month passes without resolution. And whatever route you take, loop in the reporting bank or NBFC too, since without their sign-off, nothing on your report actually changes.

Frequently Asked Questions

What's the Equifax Report Order Number, and why does the dispute form need it?

It's the reference ID for your specific report pull, and it's one of the required identifying fields on the dispute form. Equifax needs it to locate the exact version of your report the dispute relates to, since your data can change between pulls.

What happens if I opt out of providing compensation details in the RBI section?

You can still file the dispute normally, but if it later goes unresolved past 30 days, Equifax won't have a way to actually pay you the ₹100-a-day compensation the RBI's directions entitle you to, since there's no bank account or UPI ID on file to send it to.

How do I check on a dispute I've already filed with Equifax?

Use the Track Your Dispute page and enter your Case ID along with your Email ID. It pulls up wherever your dispute currently stands.

Why does the drafting tool's email always go to both the Nodal Officer and Principal Nodal Officer?

Sending it to both from the outset avoids the delay of a complaint sitting only with the general Nodal desk and needing internal escalation before someone senior actually reviews it.

How long should I wait before escalating an Equifax dispute?

Give it a week to ten days for an initial reply, and send one polite follow-up if you hear nothing. Once a full month passes without real resolution, that's the point to move to CPGRAMS, and the RBI Ombudsman after that if CPGRAMS doesn't help either.

Is emailing Equifax enough, or do I need to contact the bank or NBFC too?

Contact them as well. Equifax can't unilaterally change what's on your report, every correction has to be confirmed by whichever bank or NBFC originally reported the account, so reaching out to them directly alongside your Equifax dispute often gets the correction made faster.

How exactly does the ₹100-a-day compensation work if my dispute drags on?

As per RBI's Credit Information Reporting Directions dated January 6, 2025, if your dispute isn't resolved within 30 calendar days of when you first raised it, you're entitled to ₹100 for every additional day of delay. This applies whether you filed through Equifax's own portal (where you'd have entered your bank or UPI details at the time) or through the email route, as long as you've opted in and provided your payment details somewhere in the process.